US8538801B2 - System and method for processing financial transactions - Google Patents

System and method for processing financial transactions Download PDF

Info

Publication number
US8538801B2
US8538801B2 US10083249 US8324902A US8538801B2 US 8538801 B2 US8538801 B2 US 8538801B2 US 10083249 US10083249 US 10083249 US 8324902 A US8324902 A US 8324902A US 8538801 B2 US8538801 B2 US 8538801B2
Authority
US
Grant status
Grant
Patent type
Prior art keywords
customer
data
transaction
information
merchant
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active, expires
Application number
US10083249
Other versions
US20020152123A1 (en )
Inventor
Joseph Giordano
Jack Murray
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
ExxonMobil Research and Engineering Co
Original Assignee
ExxonMobil Research and Engineering Co
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Grant date

Links

Images

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
    • G06Q30/0226Frequent usage incentive systems, e.g. frequent flyer miles programs or point systems
    • G06Q30/0233Method of redeeming a frequent usage reward
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
    • G06Q30/0236Incentive or reward received by requiring registration or ID from user
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
    • G06Q30/0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
    • G06Q30/0238Discounts or incentives, e.g. coupons, rebates, offers or upsales at point-of-sale [POS]

Abstract

The invention relates generally to retail transactions and, more particularly, to systems and methods for monitoring consumer behavior and for providing a secure electronic payment in exchange for goods and services.

Description

This application claims priority in U.S. application Ser. No. 09/505,721, filed Feb. 17, 2000; and U.S. Provisional Application Nos. 60/120,760, 60/271,408, and 60/278,431, filed Feb. 19, 1999, Feb. 27, 2001, and Mar. 26, 2001, respectively. These cited applications are incorporated herein by reference.

FIELD OF THE INVENTION

The invention relates generally to retail transactions and, more particularly, to systems and methods for monitoring consumer behavior and for providing a secure electronic payment in exchange for goods and services.

DESCRIPTION OF THE RELATED ART

Retail store chains survive on high sales volumes and low profit margins. Accordingly, retail professionals are constantly searching for cost-effective mechanisms to encourage consumers to shop at their retail stores and for efficient low-cost methods to process completed retail transactions. In the past, the most common approach utilized by retailers for motivating customers to shop in a particular establishment was to provide purchasing incentives to their customers, usually in the form of printed discount coupons. These coupons have been distributed to customers either through mass mailings or in a more focused manner, based on a customer's previous purchasing habits. Coupons have also been given to customers in retail stores, either from kiosks or at the check-out stand, in response to the customer's purchase of some preselected item or items.

Retailers have come to realize that the more efficient approach to encouraging consumers to shop at their retail store is to identify loyal customers and to offer incentives to them in response to their continued loyalty. Implementing systems that track customer purchasing trends for the purpose of identifying loyal customers can be prohibitively expensive. Furthermore, promoting retail store loyalty is a time-consuming process that necessitates determining consumer needs, which vary across demographic boundaries, and then providing the goods that satisfy those needs. Unfortunately, the process of analyzing collected consumer data is also expensive, time-consuming, and of limited use. Regional and national consumer demographics data available from Nielson and other agencies regarding consumer product movement is predictably too general to be useful to specific retailers. Additionally, these agencies do not address product movement demographics that would allow retailers to learn the particular needs and buying habits of people purchasing specific products.

An alternative to the traditional loyalty program that does not require demographics data is one in which increased sales and customer loyalty is obtained through a reward system. For example, the airline industry rewards loyal customers using frequent flyer programs. Attempts have also been made to develop “frequent shopper” marketing and sales promotion services in retail sales. Other retailers have experimented with programs that reward frequent shoppers by distributing cards to customers who regularly purchase name brand goods manufactured by a particular vendor. Cards are used at participating retail stores to identify the customer and record purchases of particular brand goods and to award points based on the number of brand good purchases. Points are accumulated, and gifts are given to the card member based on a predetermined criteria.

Unfortunately, none of these services completely address or meet the needs and interests of modern retailers. For example, many of these existing programs encourage “brand loyalty” or “retail store loyalty,” but do not permit the retailer to reward across brands (co-branding) or across retailers. Specifically, none of these services allow a retail store owner to reward purchase of Coca Cola™ products with a discount on Frito Lay™ snacks. Furthermore, none of these services allow a Wendy's™ franchise owner to reward the purchase of a predetermined number of Wendy's™ products with a complementary oil change at Jiffy Lube™ for example. Moreover, none of these services allow a retailer to associate particular consumer groups with specific consumer needs. For example, in the grocery retail business in the United States, double income families are pressed for time and show a trend toward less time being spent shopping and preparing meals. Retail grocers are challenged to provide incentives to encourage these kinds of shoppers into their stores. Retailers and consumers alike could benefit from systems that allow retailers to identify health conscious consumers and to offer incentives that appeal to the consumer's need for natural and/or healthy foods. Identifying those shoppers having special dietary needs, e.g., medical problems and then marketing to those dietary needs may be particularly advantageous to retailers. Providing products that appeal to certain groups instead of offering generic grocery items may also be profitable.

Complicating the reality that modern-day loyalty programs do not meet the needs of the modern retailer is the fact that an increasing number of retail store customers also own personal computers with many having access to computer network services that provide connections to the Internet. Although some computer sites connected to the World Wide Web have begun to offer “online” shopping services, and some services have proposed to deliver discount coupons through a computer network, the full potential of online delivery of incentives has not been realized.

Aside from restricting the growth of loyalty programs, it is widely suspected that the emergence of the World Wide Web has also created an avenue for increased consumer exposure to fraudulent “online” transactions. Internet-based payment solutions give unprecedented access to personal information by uninvited eavesdroppers. Conducting these types of transactions over the Internet consequently requires additional security measures that are not found in conventional transaction processing networks. This additional requirement is necessitated by the fact that Internet communication is performed over publicly-accessible, unsecured communication lines in stark contract to the private, dedicated phone line service utilized between a traditional “brick and mortar” merchant and a credit authorizing organization. As an example, FIG. 1 is a diagrammatic representation of a conventional system 10 for processing retail non-cash transactions. A customer enters a merchant store 12 and makes a purchase using a credit card issued for example, by one of a plurality of credit card issuing agencies such as a bank or payment processing system 16. Merchant store 12 may be one of a large number of similar stores, all owned or managed by a common parent corporation or headquarters 14. A record of each credit card transaction, regardless of which card was used, is transmitted by a dedicated communications channel 13 to merchant corporation headquarters 14 of the retail outlet 12. A processor at merchant corporation headquarters 14 analyzes the credit card transaction records received and then routes the transaction, along a second dedicated communications channel 15, to an appropriate payment processing system 16, according to the identification of the particular credit card used in the original transaction.

Compare that to the situation that arises when an online consumer purchases goods and services over the Internet. As shown in FIG. 2, when a consumer 18 transmits credit card information to an online merchant 24, the information passes through countless servers 21 and routers 22 on its way to the online merchant 24. Along the way, the information can easily be scanned and scrutinized by numerous interlopers (not shown). Thus, it is critical that any retail processing system utilizing the Internet or any other unsecured network as a communication medium, must employ some form of security or encryption.

In view of the shortcomings of currently available online transaction processing systems and methods, it is desirable to provide a system and method that increases customer convenience and security. It is also desirable to provide a system and method that allows merchants to easily compile demographics data for use in designing customer loyalty and incentive programs.

SUMMARY OF THE INVENTION

The present invention satisfies the above-described need by providing a system and method for processing consumer transactions. In the systems of the present invention, a consumer located in a retail establishment identifies goods or services to be purchased and then communicates payment information to the merchant by transmitting an identification signal via a wireless customer transceiver to a merchant transceiver coupled to a point of sale (POS) device. Once the merchant transceiver captures the customer ID, it passes it to a POS device that then combines the customer ID, merchant ID and transaction data into an authorization request. The POS device then transmits the data to a transaction processing system (host computer) where the customer's payment method is identified. For payment methods requiring authorization, a request for authorization is transmitted to the appropriate payment processing center. Once the payment processing center authorizes the transaction, it transmits an authorization code back to the POS device via the transaction processing system. Since the system never transmits a customer's credit card or debit card number across an unsecured link, it provides a heightened degree of security over prior art systems. Also, by communicating with the merchant via a wireless customer transceiver, the system increases customer confidence that their credit card number or other payment data will not be impermissibly accessed and fraudulently utilized by nefarious retail store employees. The system also provides a much greater degree of convenience to participating customers since it allows them to preassign specific payment methods to specific retail establishments, and to have the preassigned payment methods automatically selected by the transaction processing system whenever the customer utilizes his/her wireless customer transceiver in the merchant's retail establishment.

The system also provides unprecedented benefits to merchants. Most importantly, the transaction processing system which is networked to the merchant's in-store POS devices, and to the merchant's on-line shopping network, allows merchants to quickly and efficiently process non-cash transactions for in-store and on-line customers, using the same system. Also, since a merchant can track the purchasing history of each customer who uses the transaction processing system to authorize payments, the merchant may provide for targeted incentives to the customer based on his or her prior purchases, regardless of their method of origination (in-store or online). Moreover, the transaction processing system's association with a plurality of different merchants allows a merchant associated with the system to couple its incentive program with that of another participating merchant, thereby allowing customer loyalty to be awarded across multiple merchants.

In another aspect, the present invention provides a method for securely processing financial transactions over the Internet or other unsecured network. The method includes utilizing a wireless customer transceiver to transmit a customer's ID to a transceiver coupled to the customer's computer. The computer identifies the desired product from a merchant's online website and transmits the customer ID and the product information to the transaction processing system. As in the case of an embodiment, the transaction processing system identifies the selected payment method and transmits the authorization request to the appropriate payment processing center. Once the transaction processor authorizes the transaction, it transmits an authorization code to the online merchant and the merchandise is then delivered to the customer's address. In addition to transmitting a transaction authorization, the transaction processing system also may transmit identification information and other data unique to the associated customer in the absence of a retail transaction. An additional embodiment of a transaction processing system includes a system capable of transmitting instructions to a vendor based on receipt of a customer ID (e.g., issue a ticket to the customer, provide access to the customer, etc.).

In yet another aspect, the present invention provides a method for associating a customer's preferences with his or her customer ID. For example, a fast food restaurant chain may choose to collect and store a description of a customer's favorite meal so that when the customer transmits his ID to a merchant transceiver located in the fast food restaurant, his favorite meal is ordered and payment processing occurs, without the customer uttering a single word.

To achieve these and other advantages, and in accordance with the purpose of the invention as embodied and broadly described, the invention provides a system for processing retail transactions. The system comprises a wireless customer transceiver preprogrammed with a unique customer/transmitter ID number, and a merchant transceiver that captures the customer/transmitter ID and forwards it to an associated POS device. The POS device receives transaction data via an input device and combines the transaction data with the received ID signal from the reader to form an authorization request. At least a portion of the authorization request may be encrypted to further enhance security. The POS device transmits the authorization request over a communications channel to the transaction processing system that includes a processor and a customer information database. The customer information database includes a plurality of customer entries with associated transaction processing attributes. The processor receives the authorization request, decrypts it (if necessary) and transmits it to the payment processing system in accordance with the customer's predetermined choice of payment method. The processor also stores data derived from a transaction entry associated with the customer ID. In addition to processing transactions, the system facilitates the collection and analysis of comprehensive demographics and purchasing data for managing consumer loyalty programs and performing trend analysis of consumer purchasing trends.

It is to be understood that both the foregoing general descriptions and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention as claimed.

Additional features and advantages of the invention will be set forth in the description which follows, and in part will be apparent from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the methods, systems, and apparatus particularly pointed out in the written description and claims hereof, as well as the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and, together with the description, serve to explain the objects, advantages, and principles of the invention.

In the drawings:

FIG. 1 is a diagram illustrating a conventional retail credit card transaction processing system;

FIG. 2 is a diagram illustrating a conventional online computer system for purchasing goods and services over the Internet;

FIG. 3 is a diagram illustrating an improved system for processing transactions, consistent with the present invention;

FIG. 4 is a diagrammatic representation of a point of sale device in accordance with the present invention;

FIG. 5 is a diagrammatic representation of a payment processing terminal in accordance with the present invention;

FIG. 6 is a diagrammatic representation of a transaction processing system in accordance with the present invention;

FIG. 7 is a diagrammatic representation of an alternate embodiment of a system for processing transactions in accordance with the present invention;

FIG. 8 is a diagrammatic representation of an online merchant computer in accordance with the present invention;

FIG. 9 is a diagrammatic representation of an online customer computer in accordance with the present invention;

FIG. 10 is a diagrammatic representation of a customer transceiver in accordance with the present invention;

FIG. 11 is a detailed flow diagram depicting the steps performed by the preferred embodiment of a customer transceiver when brought in proximity of a merchant transceiver;

FIG. 12 is a diagrammatic representation of a merchant transceiver in accordance with the present invention;

FIG. 13 is a flow diagram illustrating the preferred method for processing financial transactions in accordance with the present invention;

FIG. 14 is a detailed flow diagram depicting the steps performed to enroll a customer in accordance with the present invention;

FIG. 14 b is a detailed flow diagram depicting the steps performed to enroll a customer in accordance with a further embodiment of the present invention;

FIG. 15 is a detailed flow diagram depicting the steps performed to process a customer transaction in accordance with the present invention;

FIG. 16 is a detailed flow diagram depicting the steps performed to perform an end of day closing in accordance with the present invention; and

FIG. 17 is a detailed flow diagram depicting the steps performed to manage a customer loyalty program in accordance with the present invention.

DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS

In the following detailed description of preferred embodiments, reference is made to the accompanying drawings that form a part thereof, and in which is shown by way of illustration a specific embodiment in which the invention may be practiced. This embodiment is described in sufficient detail to enable those skilled in the art to practice the invention and it is to be understood that other embodiments may be utilized and that structural changes may be made without departing from the scope of the present invention. The following detailed description is, therefore, not to be taken in a limited sense.

To achieve these and other advantages, and in accordance with the purpose of the invention as embodied and broadly described, the invention provides a system for processing retail transactions. The system comprises a customer transceiver preprogrammed with a unique customer/transmitter ID number, and a merchant transceiver that receives a customer identification signal from the customer transceiver and then forwards the received customer ID signal to an associated POS device. The POS device receives transaction data via an input device and combines the transaction data with the customer ID signal to form an authorization request, in those cases when the payment method requires authorization. The POS device transmits the authorization request over a communications channel to a transaction processing system that includes a processor and a customer information database comprised of a plurality of customer entries with associated transaction processing attributes. The processor receives the authorization request and transmits it to the payment processing system dictated by the customer's payment choice for the transaction. The processor also stores data derived from a transaction entry associated with the customer ID. In addition to processing transactions, the system facilitates the collection and analysis of comprehensive demographics and purchasing data for managing consumer loyalty programs and performing trend analysis of consumer purchasing trends.

Turning first to the nomenclature of the specification, the detailed description which follows is represented largely in terms of processes and symbolic representations of operations performed by conventional computer components, including a central processing unit (CPU), memory storage devices for the CPU, and connected pixel-oriented display devices. These operations include the manipulation of data bits by the CPU and the maintenance of these bits within data structures residing in one or more of the memory storage devices. Such data structures impose a physical organization upon the collection of data bits stored within computer memory and represent specific electrical or magnetic elements. These symbolic representations are the means used by those skilled in the art of computer programming and computer construction to most effectively convey teachings and discoveries to others skilled in the art.

For the purposes of this discussion, a process is generally conceived to be a sequence of computer-executed steps leading to a desired result. These steps generally require physical manipulations of physical quantities. Usually, though not necessarily, these quantities take the form of electrical, magnetic, or optical signals capable of being stored, transferred, combined, compared, or otherwise manipulated. It is convention for those skilled in the art to refer to these signals as bits, values, elements, symbols, characters, terms, objects, numbers, records, files or the like. It should be kept in mind, however, that these and similar terms should be associated with appropriate physical quantities for computer operations, and that these terms are merely conventional labels applied to physical quantities that exist within and during operation of the computer.

It should also be understood that manipulations within the computer are often referred to in terms such as adding, comparing, moving, etc. which are often associated with manual operations performed by a human operator. It must be understood that no such involvement of a human operator is necessary or even desirable in the present invention. The operations described herein are machine operations performed in conjunction with a human operator or user who interacts with the computer. The machines used for performing the operation of the present invention include general digital computers or other similar processing devices.

In addition, it should be understood that the programs, processes, methods, etc. described herein are not related or limited to any particular computer or apparatus. Rather, various types of general purpose machines may be used with programs constructed in accordance with the teachings described herein. Similarly, it may prove advantageous to construct specialized apparatus to perform the method steps described herein by way of dedicated computer systems with hard-wired logic or programs stored in nonvolatile memory, such as read only memory.

The operating environment in which the present invention is used encompasses general distributed computing systems wherein general purpose computers, workstations, or personal computers are connected via communication links of various types. In a client server arrangement, programs and data, many in the form of objects, are made available by various members of the system.

Referring now to the remaining figures, corresponding reference characters refer to corresponding elements, wherever possible.

FIG. 3 is a diagrammatic representation of a system 30 for processing retail non-cash transactions in accordance with an embodiment of the present invention. In FIG. 3, system 30 is comprised of merchant store 12, payment processing system 16 and transaction processing system 26. Located in merchant store 12 is at least one POS device 34 for capturing transaction and customer identification data. Payment processing system 16 utilizes at least one payment processing terminal 52 to process purchase transactions. POS device 34 communicates with transaction processing system 26 over communications link 28 and payment processing terminal 52 communicates with transaction processing system 26 over communications link 32. While this specification describes a system wherein POS device 34 communicates directly with transaction processing system 26, it is understood that POS device 34 may actually communicate with one or more intermediate computers that then communicate with transaction processing system 26, without departing from the spirit and scope of this invention. Communication links 28 and 32 may be secure, dedicated communications links (like links 13 and 15 in FIG. 1) or publicly accessible and unsecured.

A diagrammatic representation of POS device 34 is shown in FIG. 4. POS device 34 is any device used by merchants at the point of sale to record transactions between customers and merchants, including cash registers, point-of-sale terminals, etc. As show, POS device 34 is comprised of a conventional microprocessor 36, a random access memory (RAM) 38, an input device (e.g., keyboard, scanner, etc.) 40, a display or screen device 42, a mass storage 44 (e.g., hard or fixed disk, removable floppy disk, optical disk, magneto-optical disk, or flash memory), a network interface card, modem or controller 46 (e.g., Ethernet), and a merchant transceiver 48. As shown, the various components of each POS device 34 communicate through a system bus 51 or similar architecture. POS device 34 communicates with other POS devices (not shown) and with transaction processing system 26 via network interface card or modem 46. Alternatively, the POS device 34 may be connected via an ISDN adapter and an ISDN line for communications with the transaction processing system 26. Merchant transceiver 48 provides wireless communication with a customer transceiver 50 (explained below) which may be carried by a customer on, for example, his key chain. There may be other components as well, but these are not shown to facilitate description of the unique aspects of this embodiment of the invention. The hardware arrangement of this computer, as well as the other computers discussed in this specification is intentionally shown as general, and is meant to represent a broad variety of architectures, which depend on the particular computer device used. For example, mass storage devices depicted with each computer may be co-located with its associated computing device on an internal storage device or it may be remotely located on an external storage device.

A diagrammatic representation of payment processing terminal 52 is shown in FIG. 5. Like POS device 34, payment processing terminal 52 is comprised of a CPU 54, RAM 56, a mass storage device 62, and a network interface card or modem 64 for communicating with transaction processing system 26. Stored in mass storage device 62 is a payment database 66 for authorizing payment in response to consumer transactions.

A detailed diagram of transaction processing system 26 is shown in FIG. 6. As shown in FIG. 6, transaction processing system 26 is comprised of a CPU 86, RAM 88, an input device 90, a display or screen device 92, a mass storage device 94, and a network interface card or modem 96 for communicating with POS device 34 and payment processing terminal 52. Stored in mass storage device 94 is a customer information database 100 for identifying a customer, payment method, payment processor, and authorization data format when given a customer/transmitter ID number. The organization of data inside customer information database 100 may take on a variety of physical structures, dependent upon evolving data management technology. Examples include, but are not limited to flat files, relational tables, star tables, hierarchical files, and objects. The data will be organized so that storage and retrieval of customer data facilitates effective navigation, association, and use of customer-related data for identification, transaction authorization, customer contact, identification of customer preferences and other uses of the data consistent with the spirit and scope of this invention. The database is structured to provide maximum security to protect the privacy of customer and merchant information. The ability to relate groups of data such as customer data with specific customer transaction data, for example, will be controlled via the structure of the data storage design as well as through controls of the database system to prevent unauthorized access of detailed and aggregated data by both internal and external sources.

As shown in FIG. 6, customer database 100 may be comprised of the following categories of information: customer profile information 102, merchant information 104, fraud information 106, loyalty program information 108, transaction information 110, customer payment method information 112, and customer personal information 114. Customer profile information 102 identifies and describes each customer. It includes, but is not limited to: customer address data, phone number, date of birth, Social Security number, spending limits (e.g., amount per day, amount per month, etc.), photograph, password, occupation, PIN, billing address, primary account holder name, authorized user name, customer transceiver activation status and customer transceiver identification number. Merchant information 104 identifies and describes each participating merchant. It includes, but is not limited to: merchant name, accepted payment methods with associated authorization procedures (if appropriate), merchant location and merchant identifier. It is important to note that some payment methods (e.g., check, credit and debit) require authorization procedures, while others (e.g., cash, certified check, etc.) do not. Fraud information 106 is used to ensure that customer transceivers 50 are not used by unauthorized users. This information includes, but is not limited to: transmission device identifier, activation status, merchant identifier, merchant location, date of sale, time of sale and sale amount. Loyalty program information 108 defines specific merchant loyalty programs. It includes, but is not limited to: program rules, specific points or other benefits for each merchant loyalty program component. Transaction information 110 includes a listing of the transactions previously conducted by a customer using transaction processing system 26. The information includes, but is not limited to: transaction type, item purchased, merchant, date purchased, price, total price amount, and loyalty program usage. Customer payment method information 112 defines the payment method to be used by each customer at each merchant. Examples include, but is not limited to: default payment method, credit card number, debit card number, bank account number, credit/debit card type, credit/debit card expiration date, name and billing address for credit/debit card, checking account bank name, checking account number, bank routing number, associations between each merchant and each payment method. Customer personal information 114 comprises a plurality of individual customer purchasing preferences and other customer-unique personal information. For example, suppose the merchant is Burger King™. The purchasing information could be the customer's favorite meal or menu item such that whenever the customer initiates a transactions with the merchant, the purchasing preference will automatically be ordered for the customer. Other examples include, but is not limited to: spending limits (e.g., dollar amount per day, amount per year, etc.), whether the customer wishes to always use PIN or only for transactions over a certain dollar amount, customer shoe size, suit size, spouse's birthday, spouse's suit size, etc. Additional information may be stored in customer transaction database 100, and the data may be organized in a different manner, without departing from the scope of the present invention.

A second embodiment of the present invention is directed to a method and apparatus for securely processing financial transactions over the Internet or other unsecured network. FIG. 7 is a diagrammatic representation of a system 700 for processing retail, non-cash transactions in accordance with the second embodiment. In addition to the elements shown in FIG. 3, system 700 in FIG. 7 further comprises an online consumer terminal 710 that communicates with transaction processing system 26 over communications link 715. Online merchant 12′ replaces merchant store 12, online merchant computer 734 replaces POS device 34, and communication link 28′ replaces communications 28 shown in FIG. 3. In this embodiment, communication links 28′ and 715 are typically unsecured, publicly accessible links. As in the case of an embodiment, communication links 28′, 32 and 715 may be any combination of publicly accessible or secure dedicated links.

The difference between merchant store (FIG. 3) and online merchant 12′ is that merchant store 12 is a conventional “brick and mortar” store where consumers can physically select and purchase merchandise, whereas online merchant 12′ is a website operated by a merchant that allows online consumers to examine and purchase merchandise over a computer network. Online merchant computer 734 is preferably operated by retail establishments (Macy's, K-mart, Border's, etc.). Its main role is to collect merchandise orders from online consumer terminals 710, and arrange for delivery of the merchandise once it receives authorization from a payment processing system 16.

FIG. 8 is a diagrammatic representation of an online merchant computer 734 in accordance with the present invention. As shown in FIG. 8, online merchant computer 734 is comprised of a main memory 800, a display device 810, input device 820, a mass storage device 840, a CPU 830 and a network interface card or modem 850. As further shown in FIG. 8, the mass storage device 840 contains the merchant's product database 845. Product database 845 is comprised of information on various merchant products available online. Once a user accesses a merchant's home page, he/she will be able to access all of the merchant's product pages that are associated with the home page. Individual pages may be sent in the form of Hyper-Text Markup Language (HTML) pages across communication link 715 to a web browser 960 operating on a requesting online consumer computer 710.

As shown in FIG. 9, the online consumer computers 710 preferably include s a main memory 900, display device 910, input device 920 such as a keyboard and a pointing device (e.g., mouse, track ball, pen, slide pointer or similar device), a mass storage device 940, a transceiver 970, a printer 990, and a CPU 930 for performing various functions related to retrieving and viewing webpages stored on the Internet. These components communicate through a system bus 980 or similar architecture. Additionally, the customer computer 710 is preferably connected to a network interface card or modem 950 for communication with the transaction processing system 26. The mass storage device 940 of the customer computer 710 maintains an Internet browser 960 for directing the CPU.

A second embodiment processes transactions very similarly to the first embodiment. That is, an online consumer located at an online consumer computer 710 selects merchandise, identifies it to the online merchant computer 734 and inputs his or her customer/transmitter ID number using a customer transceiver 50 into transceiver 970. The information is transmitted from transceiver 970 via system bus 980 to CPU 930 where it is then transmitted to the online merchant computer 734. Upon receiving the data, the online merchant computer 734 creates an authorization request comprised of the customer ID, a merchant ID and transaction data, and then transmits the data to transaction processing system 26. Transaction processing system 26 then transmits the data to the appropriate payment processing system 16. As in the case of an embodiment, payment processing system 16 authorizes the transaction and then transmits an authorization back to the online merchant computer 734 and online consumer computer 710 via the transaction processing system 26. Once the online merchant computer 734 receives the authorization, merchant's online sales associate prepares the merchandise identified by the customer, and then ships it to the address indicated in the customer information database 100 or any other location specified by the customer. The transaction processing system 26 is capable of managing customer loyalty and consumer trend analysis in the same manner as the first embodiment. In fact, since transaction processing system 26 is capable of interacting with both in-store and on-line systems, it provides participating merchants the ability to comprehensively monitor customer loyalty and consumer purchasing trends for online consumers and in-store consumers using a single system.

A third embodiment of the present invention is directed to a method and apparatus for processing retail non-cash transaction at a kiosk or other similar self-service station. A terminal located at the kiosk is similar to online consumer computer 710 except that a product database similar to that found in online merchant computer 734 is stored in the mass storage device. In operation, the customer in merchant store 12 approaches a kiosk in the store, indicates a food, merchandise or service selection, and provides a customer/transmitter ID using input device 920, customer transceiver 50 or a combination of the two. In doing so, the customer has placed an order for the desired article of food, merchandise or service and simultaneously initiated payment processing. Once the transaction is authorized, a receipt is printed on printer 990 and the purchase is delivered to the customer, either at the kiosk or at another predetermined location. This embodiment provides a combination self-service, automatic payment processing system, with order preparation being the only delay.

In yet another embodiment, a customer may place an order by telephone prior to arriving at merchant store 12, by interfacing with an automated system using DTMF tones through the telephone. That is, when an automated operator at merchant store 12 answers the telephone call, the customer is prompted to enter the customer/transmitter ID number and his/her purchasing preference via the DTMF buttons. Upon arrival, the custormer's food, merchandise or service is ready at a drive-through window or inside a special line within merchant store 12. Payment has, at this time, already been processed. The customer uses customer transceiver 50 to identify themselves prior to a sales associate providing the merchandise to the customer. In this example, customer transceiver 50 is simply used to identify that the customer receiving the food, merchandise or services is the customer who corresponds to the customer/transmitter ID previously communicated to the merchant through the DTMF system. Different transactions may be conducted and different information may be exchanged between the merchant and customer to confirm the customer's identification without departing from the scope of the invention. For example, a customer may conduct a transaction over the telephone using a payment method not recognized by the transaction processing system 26, and then take delivery of the merchandise/services after confirming his/her identification using customer transceiver 50 and paying for the items. Customer transceiver 50 may also be used to confirm an individual's identification even in the absence of an underlying transaction. For example, a transceiver 48 may be located adjacent to an airplane loading gate or other restricted access point. A customer seeking to gain access to the restricted area simply provides his identification by interfacing customer transceiver 50 with merchant transceiver 48. This action initiates the security process which may also require an additional form of identification (e.g., picture ID, boarding pass, etc.) to complete. Another embodiment of customer transceiver 50 includes a customer transceiver that identifies a class of persons (e.g., handicapped) such that when a person interfaces with the transaction processing system 26, an attendant will be alerted as to any special customer needs. Yet another embodiment includes a customer transceiver 50 that identifies an individual to a service provider, permitting the service providing to then access information about the customer for the purpose of providing personal services to the customer. A further embodiment includes a customer transceiver 50 that transmits automatic teller machine (ATM) card information to an ATM. Once the ATM receives the information, the customer is prompted to input his/her PIN and transaction information, allowing the process to continue as usual.

Various active and customer transceivers (48 and 50, respectively) may be implemented in the course of practicing this invention. For example, the TIRIS system commercially available from Texas Instruments Corporation is representative of the technology. Further details of digital signature transponder (DST) and TIRIS technology are contained in U.S. Pat. No. 5,541,604 assigned to Texas Instruments Deutsche Line GmBh, the disclosure of which is hereby expressly incorporated by reference. A simplified diagram of a preferred embodiment of customer transceiver 50 is shown in FIG. 10. As shown, customer transceiver 50 is comprised of keyboard 1110, CPU 1120, memory 1130, receiver 1140, transmitter 1150 and security pad 1160. As further shown in FIG. 10, keyboard 1110 is comprised of a plurality of buttons 1110 a-1110 l, labeled 0-9, “*”, and “#”. Each button may correspond to its labeled number/character, or to a selectable user option. For example, button 1110 a may correspond to the number “1” such that when a user presses it, the number “1” is communicated to CPU 1120. Button 1110 a may alternatively correspond to a user-specified item (e.g., primary credit card, a secondary credit card, or a debit/bank account). In an embodiment, customer transceiver 50 has no independent batter or other power source, such that operational energy is received from transceiver (48 or 970), indicated generally in FIGS. 4 and 11, respectively. Customer transceiver 50 stores identification information such as a customer ID, or customer/transmitter ID in programmable, read-only memory (PROM) device 1130 for subsequent, repeated transmission to a transceiver (48 or 970). Memory device 1130 could optionally be an erasable PROM (EPROM) or random access memory (RAM) device, thereby allowing ease in modifying the contents of the memory device. As previously states, one important characteristic of an embodiment of customer transceiver 50 and merchant transceiver 48 is that operational energy for customer transceiver 50 is transmitted from the transceiver (48 or 970). When customer transceiver 50 is brought within close proximity to transceiver (48 or 970), a signal of a desired frequency passes through receiver 1140, causing it to generate a supply voltage for powering the other components of customer transceiver 50. The signal is received by CPU 1120 which then sends a signal to memory device 1130 and then to customer transceiver 1150 for transmission to an adjacent merchant transceiver 48.

FIG. 11 is a detailed flow diagram depicting the operation of customer transceiver 50. The process begins at step 1200 when the user brings customer transceiver 50 within close proximity to a transceiver (48 or 970). In step 1205, an interrogation signal is transmitted from reader to customer transceiver 50. CPU 1120 processes the interrogation signal with an algorithm which is fixedly programmed into memory 1130 (step 1210). If the signal is valid, processing flows to step 1215, otherwise processing terminated. In step 1215, the CPU waits for user input via keyboard 1110. If the CPU does not receive input, processing flows to step 1245, otherwise processing flows to step 1220, where the CPU determines whether the first character entered is a “#”, corresponding to button 1110 l. If the first character is a “#”, the CPU transmits a purchasing preference associated with the entered number (step 1240). As previously stated, the customer database 100 is capable of storing a plurality of customer purchasing preferences, corresponding to specific items offered by merchant. Pressing “#” prior to pressing a numbered key specifies which order item the customer is interested in selecting. For example, “#1” corresponds to the first purchasing preference, pressing “#2” corresponds to the second, and so on. Processing then flows to step 1245. If the first character is not a “#”, the CPU determines whether the first character is a “*”, corresponding to button 1110 j (step 1225). If the first character is a “*”, the CPU 1120 transmits a payment choice selection associated with the entered number (step 1235). The customer must have a valid payment method associated with the entered number, and it must be accepted by the merchant. Otherwise, the process will terminate without authorizing the transaction. After customer information has been entered, processing flows to step 1245 where the CPU 1120 next transmits the stored customer/transmitter ID. If the first character is not a “*”, processing flows to step 1230 where the CPU 1120 simply transmits the entered numbers as a customer ID number. That is, the user may actually override the pre-programmed customer ID number and manually input a customer ID number. Processing then flows to step 1250 where the user it prompted to enter a PIN after which processing terminates. When the user manually enters a customer ID number, the system may also require additional authorizing information like a photo ID and/or a signature, to further ensure that customer transceiver 50 is not used in a fraudulent manner. While this specification describes operation of customer transceiver 50 as including the capability to specify a merchandise/service selection, an alternate method of payment, a customer number or a PIN, it is obvious that any data or combination of data may be transmitted by customer transceiver 50 without departing from the spirit and scope of this disclosure.

As shown in FIG. 10, customer transceiver 50 may optionally include a security pad 1160 comprising a fingerprint reader or other biometric recording device. In operation, when a customer transceiver 50 is issued to the customer and prior to its first use, the customer inputs a biometric (fingerprint, palm print, pore print, retinal configuration, etc.) into security pad 1160. For the purposes of this discussion, it is assumed that the biometric is a fingerprint. The first time that customer transceiver 50 is used, the customer fingerprint is read and stored in memory 1130 of customer transceiver 50. When customer transceiver 50 is used for subsequent transactions, it will only activate if the same finger is placed upon security pad 1160, creating a match with fingerprint information stored at the first used of customer transceiver 50. Of course, any finger may be used at initial usage, however, the same finger must then be consistently used on all subsequent transactions. As an alternative, a predetermined number of separate fingerprints may be stored in customer transceiver 50, permitting its use by friends or family members. Initial fingerprints will be read, for example, by depressing one of four predetermined buttons prior to first use of customer transceiver 50. A series of fingerprints is then placed upon the security pad 1160 for storage within memory 1130 of customer transceiver 50. Customer transceiver 50 would then permit subsequent purchases to be made when a fingerprint on pad 82 matches any of the fingerprints prestored within customer transceiver 50. Fingerprint reading, storing and matching technology is currently available from the plurality of sources including, for example, Indicator Technology Corporation, Biometric Identification Inc., and AuthenTec. Even though this specification describes the use of a fingerprint reader, other biometric identification options such as palm prints, pore prints, retinal configurations, etc. may, of course, also be implemented using customer transceiver 50. It should be understood that while this specification describes a security pad associated with customer transceiver 50, the security pad may actually be included in a computer display touch screen.

Another embodiment of customer transceiver 50 includes a customer transceiver with read/write capability. That is, when customer transceiver 50 is used to authorize a transaction, information is passed into memory 1130 from the merchant transceiver 48. For example, a predetermined quantity of money may be stored in memory 1130 such that whenever a transaction is carried out, the amount of the transaction is deducted from the total stored in memory 1130. When the total is exhausted, customer transceiver 50 will not activate until an amount is restored to memory 1130. In another embodiment, a predetermined quantity of money may be stored in a host computer as a component of the customer's user information. Customer transceiver 50 may also track the customer's participation in loyalty programs by updating memory 1130 with purchase data whenever a transaction is authorized. In another preferred embodiment, a purchase transaction is not required to access loyalty program information. Customer transceiver 50 may additionally support remote reprogramming of memory 1130. In other words, a customer wishing to change the customer/transmitter ID associated with customer transceiver 50 may do so by interfacing customer transceiver 50 with merchant transceiver 48 and then modifying the customer/transmitter ID by entering a special code sequence using keyboard 1110, for example. It is envisioned that whenever a customer/transmitter ID is updated by a customer, transaction processing system 26 will disable the subject customer transceiver, pending confirmation of the change. Customer transceiver 50 may alternatively accept customer/transmitter ID updates from transaction processing system 26 via merchant transceiver 48 without user input.

Although the described embodiments employ a customer transceiver carried as a separate item by the customer, customer transceiver 50 may be integrated into another device. For example, customer transceiver 50 may be embedded in a cellular phone, pager, remote control, car lock device, personal digital assistant, watch, MP3 player or other miniature electronic device.

While an embodiment of customer transceiver 50 envisions a device that receives operational energy from a merchant transceiver 48 prior to transmitting an RF signal, it is understood that any device capable of transmitting a signal across a wireless medium (e.g., cellular, microwave, infrared, etc.) may be utilized without departing from the scope of this disclosure.

FIG. 12 shows a detailed diagram of merchant transceiver 48 as previously discussed with reference to FIGS. 4 and 10. As shown in FIG. 12, merchant transceiver 48 is comprised of a CPU 1300, memory 1305, keyboard 1310, printer 1320, communication interface 1330, display 1340, transmitter 1350, and receiver 1360. Keyboard 1310, as further shown in FIG. 14, is comprised of a plurality of buttons 1310 a-1310 l, labeled 0-9, “*”, and “#”. Keyboard 1310 may be utilized for receiving manually entered data (e.g., PIN) and transmitting the data to communication interface 1330. In operation, transmitter 1350 transmits an interrogation signal stored in memory 1305 to customer transceiver 50, causing the customer transceiver to generate a sufficient supply voltage for powering the customer transceiver. Receiver 1360 receives a signal from customer transceiver 50 and then transmits the signal to communication interface 1330 for subsequent transmission to an associated POS device 34, online customer computer 710, kiosk, etc. Communication interface 1330 may comprise a wireless or wireline interface, permitting merchant transceiver 48 to communicate with external devices from widely separated locations for the purpose of transmitting information received from a customer transceiver 50 via receiver 1360. Communication interface 1330 further permits merchant transceiver 48 to interface over the Public Switched Telephone Network (PSTN) via an RS232 connection to an internal modem (not shown). Customer transceiver 50 consequently may be capable of interfacing with a central location (over CATV coaxial) cable such that a person wishing to watch a Pay-Per-View™ movie can communicate with the pay-per-view system and purchase the movie directly through the television. Printer 1320 may be used to print a receipt for a customer upon completion of a transaction, and display 1340 may be used to communicate information to a customer (e.g., when to input his/her PIN).

An alternate embodiment merchant transceiver includes a merchant transceiver built into or attachable to a portable device (e.g., Palm Pilot™, hand-held computer, etc.) that enables the capture and transmission of a customer ID and other security information for authenticating payment for goods and services via the Internet, or authenticating and authorizing access to digital information (e.g., movies, music, online books, research) and applications (e.g., voice/mail, personal calendar, “sports entertainment package”, golf handicapping program). A further embodiment includes a portable merchant transceiver that allows a vendor (pizza delivery person) to authorize transactions from any location. The merchant transceiver includes a CPU 1300 with sufficient memory 1305 to capture and locally process a transaction. The merchant transceiver may or may not have wireless connectivity to the transaction processing system 26. yet a further embodiment includes a merchant transceiver associated with a vending machine (snacks, cigarettes, stamps, etc.), pay phone, etc. for authorizing consumer transactions.

As discussed above, the preferred embodiment of the merchant transceiver 48 transmits power to, and receives an RF signal from a co-located customer transceiver. However, any device capable of receiving a wireless signal (cellular, microwave, infra-red, etc.) is capable of functioning in the place of the merchant transceiver without departing from the scope of this invention.

In a preferred embodiment, transaction processing system 26 is owned and operated by a company separate from the entities that own merchant store 12 and payment processing system 16. In exchange for the service provided by transaction processing system 26, merchants are charged fees to process transceiver-based transactions. First, a transaction fee is charged for each transaction processed through transaction processing system 26. In addition, an advertising fee may be charged to cover brand communication. That is, customer transceiver 50 is supplied under a brand name owned by the owner of transactions processing system 26. This brand name is widely advertised to entice customers to patronize merchant stores 12 having the ability to conduct transactions using customer transceiver 50. Thus, the owner of transaction processing system 26 charges an advertising fee to participating merchant stores 12.

Alternatively, the transaction processing system 26 may permit large corporations owning multiple retail outlets to market customer transceiver 50 using their brand name. Thus, such merchant companies will “issue” customer transceivers 50 and pay a fee to the transaction processing system. The transaction processing system then offsets these costs to merchant stores 12 by providing monthly rebates based on the dollar volume of transceiver-based transactions conducted through its outlets.

In another embodiment of the present invention, a system and method are provided for interfacing an RF transponder reader carried by a customer, with an RF transponder associated with a merchant's point-of-sale (POS) terminal or a merchant's product. In operation, a customer seeking to purchase retail items or services uses the transponder reader to read the transponder associated with the merchant's POS terminal or the merchant's product. The transponder reader is in communication with the central database. The communication may be wireless. For example, the communication may occur over a wireless telephone network or through a networking protocol such as Bluetooth.

In an embodiment of the present invention, the transponder is associated with a data entry method and/or apparatus. The data entry apparatus may be inserted or built into the transponder unit. Alternatively, the data entry method may be attached to the same device to which the transponder is attached. For example, if the transponder is attached to a keyring, the data entry method may also be attached to the same keyring.

The data entry method of the present invention comprises entering data to be read into a data reader. The data reader comprises means for scanning the data to be read, a power source and memory for storing the read data. The data to be read comprises data associated with a product(s), service(s), or merchant(s). The data to be read may be found in any medium capable of being read by the data reader. For example, the data to be read may be contained in an advertisement. The advertisement may be for a product, service or merchant advertisement. The advertisement may be in a newspaper, magazine, internet website, poster, or similar medium.

The data reader may further comprise means for informing the customer that the data has been successfully read and stored. For example, the data reader may comprise a light, vibration unit, display screen, audible tone(s), audible signal(s), printed receipt, other feedback means, or a combination thereof, that is activated when data is successfully read and stored.

In an embodiment of the present invention, the data to be read is associated with a discount for a product or service. A customer utilizes the data entry method to read the data associated with the discount. The data is stored in association with the transponder. When the customer later purchases the product or service, the customer's transponder is read by the transponder reader associated with the merchant's POS terminal. The data associated with the discount is transmitted to the merchant's POS terminal. The discount is then applied to the customer's purchase transaction of the product.

In another embodiment, when the data associated with the discount is transmitted to the merchant's POS terminal, the data is then matched with corresponding data in a central database or in the merchant's database. This corresponding data informs merchant's clerk and/or the POS terminal to provide the discount. The merchant's database may be an off-site central database, an on-site local database (including an updated database in the POS terminal), or a distributed database. In another embodiment, the data associated with the discount is stored in the customer transceiver. This data is transmitted to the merchant's POS terminal and informs the merchant's clerk and/or the POS terminal to provide the discount. For example, the Universal Product Code (UPC) for a product could be stored in the customer transceiver or data reader memory along with the discount amount associated with the product. The UPC and corresponding discount amount could then be transmitted to merchant's POS terminal.

A discount or offer from a merchant may also be associated with a customer's user profile in a central database or in a merchant's database. As discussed, in an embodiment of the present invention, an authorization request including transaction data is received from a POS terminal by a transaction processing system comprising a customer's user profile or information. The transaction processing system determines from the transaction data is the product or service is covered by the discount or offer associated with the customer's user profile. If the product or service involved in the transaction is covered, the discount or offer is communicated to the POS terminal so that the discount or offer can be applied to the transaction and communicated to the customer and/or merchant's clerk.

In a further embodiment of the present invention, multiple data may be read by the data reader and stored in association with the transponder. For example, data may be read for products from the same manufacturer or distributor. Data may be read for multiple products offered by the same merchant. In a further embodiment, the data to be read may be associated with multiple products offered by a merchant or from a manufacturer. The data to be read may also be associated with multiple products offered by various merchants or manufacturers. For example, a newspaper may contain an insert containing various coupons or discount offers. Data to be read may be associated with all the various coupons or discount offers on the newspaper insert. When a customer uses the data reader to read the data, all the various coupons or discount offers are stored in association with the transponder. Further, the data to be read may be associated with all the various coupons or discount offers in a newspaper section or in the entire newspaper.

When the data to be read is associated with a coupon or discount offer listed on an internet website, the customer may read the data with the data reader as presented on a computer monitor. Further, a customer may transmit the website data to a computer printer. The customer may thereby read the data with the data reader as presented on the printed out hardcopy of the website.

The data to be read may comprise text, graphics, numbers, or patterns, or a combination thereof, that are capable of being read by the data reader. For example, the data to be read may comprise bar codes and the data reader may comprise a bar code reader. The data reader may be capable of reading more than one form of data. For example, the data reader may be capable of reading bar codes, text, graphics, numbers, or patterns, or a combination thereof.

In a further embodiment of the present invention, the data to be read may be associated with a URL address of an internet website. For example, an article in a newspaper may reference an internet website. The internet website may be referenced because it is a topic of the article or because it provides further background or more in-depth information related to the topic of the article. Data to be read corresponding to the referenced internet website may be presented. The data to be read may be at the end of the article, in the article, or in the margin of the article. A customer may read the data with the data reader associated with the customer's transponder. In this embodiment, a transponder reader may be connected to a computer. The computer may have access to the internet. When the customer's transponder is read by the transponder reader connected to the computer, the previously read data associated with the URL address may be transmitted to the transponder reader. The transponder reader may then transmit the URL address to the computer and the computer may access the URL address. The internet website corresponding to the URL address may then be presented to the customer.

In a further embodiment, a coupon or discount offer may also provide a URL address for an internet website where the customer may purchase the product or service associated with the coupon or discount offer. Data to be read may be associated with the coupon or discount and/or the URL address. The customer may read the data with the data reader associated with the customer's transponder. The data may be stored in association with the customer's transponder. The transponder may be read by a transponder reader connected to a computer with access to the internet. The data associated with the URL address is transmitted from the transponder to the transponder reader. The internet website corresponding to the URL address may then be presented to the customer. The customer may purchase the product or service through the internet website and may authorize the purchase with the customer transponder. The data associated with the coupon or discount offer is transmitted from the transponder to the transponder reader. The data is transmitted from the transponder reader to the computer. The computer transmits the data to the internet website. The coupon or discount offer associated with the data may then be applied to the customer's purchase of the product or service.

While the data to be read may be associated with a coupon or discount offer, the data to be read may also be associated with the identification of a product or service. When read and stored, the data may be transmitted to a merchant's transponder reader.

In an embodiment of the present invention, data identifying a product or service is presented to a customer. For example, data identifying a movie video may be presented at the end of a movie review in a newspaper. A customer may read the data with the data reader. The data reader stores the data in association with the transponder. The data may be transmitted to a merchant's transponder reader. For example, a video rental merchant's transponder reader may receive the data stored in association with the customer's transponder which identifies a movie video. The video rental merchant may then provide the customer with the movie video and authorization for the rental transaction may be provided by the transponder.

Alternatively, in the above example, the customer may indicate that he/she does not wish to rent the identified movie video at this particular time. The identified movie video title may be stored in the video rental merchant's database as a “wishlist” item corresponding to the customer's transponder. On a subsequent visit to the video rental merchant, the customer's transponder may be read by the video rental merchant's transponder reader. The customer's “wishlist” corresponding to the customer's transponder may be accessed in the merchant's database and the customer may choose to rent a movie video listed on the customer's “wishlist”.

In another embodiment, if the customer indicates that he/she does wish to rent the identified movie video, the merchant's POS terminal communicates with merchant's database or other database to communicate information regarding the identified movie video to the customer. The information communicated may include, but is not limited to: whether the movie is “in stock” or available, when the movie needs to be returned if rented, when the movie will be returned, etc.

In another embodiment, the data to be read may be presented on the product itself. The customer may read the data on the product with the data reader and the data may be stored in association with the transponder. The data may be transmitted to a transponder reader and the product may then be identified to the merchant. Further, the transponder reader may be connected to a customer's personal computer. The data identifying the product may be transmitted to the transponder reader which subsequently transmits the data to the computer. The computer may transmit the data to an internet merchant. The customer may then be presented with an internet website where he/she may purchase the product identified by the data. For example, a customer may scan household items which will soon be used or depleted by the customer. The data corresponding to this shopping list of items is stored in association with the customer's transponder. The data may be transmitted to a merchant or internet merchant and the customer may be given the option to purchase one, some, or all of the items.

Alternatively, the data may be transmitted to a customer's computer printer or to a home personal computer associated with a computer printer. The printer may be used to print a hardcopy shopping list. In a further embodiment, the data may be transmitted to a database which can identify other information that corresponds to the data transmitted by the customer. This information may include the name of the item(s) corresponding to the data, local stores or internet sites upon which the item is available, the store row or product location within a store, item price, etc. This further information or shopping list may also be transmitted to a customer's personal digital assistant. The further information or shopping list may also be transmitted to a kiosk at a local store. For example, this kiosk may be on a shopping cart. The customer may then have access to the shopping list and further information on the shopping cart kiosk.

The transponders utilized by the present invention may be inserted or built into any appropriate device or form factor. In this manner, the transponder may be customized to a customer's lifestyle and preferences. For example, a transponder may be integrated into a smart card with a magnetic stripe. The transponder may be integrated into a soft fabric form. The transponder may also be integrated into devices such as a personal digital assistant, watch, or mobile phone, or covers for same. The transponder may also be integrated into functional forms, such as a money or tie clip, or clothing button or pin. A customer may possess more than one transponder. Different customer profiles or accounts may be associated with each transponder. For example, a customer's profile associated with a transponder in the customer's mobile phone may be different from the customer's profile associated with a transponder in the customer's personal digital assistant. Different customer profiles or accounts may also be associated with a single transponder. The single transponder may have means for a customer to select between the different customer profiles or accounts. The transponder may also have means for a customer to indicate or select between different preferences or indicate a response to a question.

In a further embodiment of the present invention, the transaction authorization further comprises an additional means of validation. The additional means of validation may be any means of identifying the customer as the owner of a transponder. For example, the customer may enter a personal identification number (PIN), biometric data, or a password in combination with use of the transponder. The additional means of validation may be used with every transaction, no transaction, or only for predefined merchants, products, services, transaction types or amounts. This predefined list may be determined by the customer or the merchant. For example, if a transaction is over a predefined purchase amount, additional means of validation may be required for completion of the transaction. In another means of validation, the customer may move the transponder in a predefined manner in front of the transponder reader to provide validation. The movement in the predefined manner is detected by the transponder reader and transmitted to the central database for verification. The predefined manner may be any manual movement which may be suitably reproduced by the customer. The preference information regarding whether a customer should be prompted for additional means of validation may be stored in the customer profile contained in the central database. The preference information regarding whether a customer should be prompted for additional means of validation may also be stored in the transponder itself or in the merchant POS terminal or database.

The central database may also store a customer's purchase profile. Before authorizing a transaction, the central database may analyze the type of purchase for which payment authorization is requested. This analysis may utilize an algorithm to compare the purchase for which payment authorization is requested and the customer's purchase profile. Based upon the analysis, further identification or validation may be requested from the customer; particularly if the analysis shows a likelihood of fraud.

In a further embodiment, the present invention comprises a system for associating a unique ID code, information regarding a person and payment information for a person. In one preferred embodiment, a transponder transmits a unique ID code to a transponder reader. The unique ID code is stored in a central database. Information regarding the user of the transponder is entered into the central database and associated with the unique ID code. Payment information for the user is entered into the central database and associated with the unique ID code. In a further embodiment, the present invention comprises a device for reading a unique ID code from a transponder, reading payment information from a magnetic stripe of a credit card, and associating the unique ID code and the payment information. In a another embodiment, the present invention further comprises means for automatically entering information regarding a person. For example, means for automatically entering the information may comprise optically scanning a person's driver license or reading the magnetic stripe on the back of a driver license.

Further, the device may transmit this information to a central database. In another embodiment, the payment information may be entered by other means not utilizing the magnetic stripe. For example, the payment information may be entered manually using a keyboard or the credit card information may be scanned by an optical reader. In another embodiment, the unique ID code from a transponder may be transmitted to a reader which is then transmitted to a central database. At a later point in time, the transponder user may transmit payment information to be associated with the unique ID code. For example, the user may enter payment information through an internet website for transmission to the central database or the user may enter payment information onto a paper form which is then scanned into the central database. Once payment information is received by the central database, it is associated with the unique ID code corresponding to the user.

In a further embodiment, means for identifying the transponder is located on the outside of the transponder casing or on the packaging containing the transponder unit or otherwise associated with the transponder or on the packaging of or on a device comprising the transponder. The means for identifying may comprise, for example, a bar code or other code capable of being optically scanned. The packaging may comprise shipping or merchandizing packaging. In this embodiment, a central database associates the means for identifying and the unique ID code stored in the transponder. User information is transmitted to the central database. Payment information for the user is transmitted to the central database. The central database associates the means for identifying with the corresponding user information and payment information for the user. For example, a user may present user information and payment information to a merchant. The merchant may or may not utilize a transponder reader. The merchant may scan a bar code on the packaging of a transponder. The merchant transmits the bar code, user information and payment information to a central database. The central database matches the bar code to the corresponding unique ID code associated with the transponder. The central database associates the user information and payment information with the unique ID code corresponding to the bar code. In this manner, the merchant does not need to utilize a transponder reader to enroll a user in the system and method of the present invention.

A customer transponder, transceiver, or user profile may be associated with more than one manner or method of payment. The customer may input preferences or indicate a default payment method to be used depending on transaction type, merchant or purchase amount. The payment methods may include, but are not limited to, at least one of the following: credit card, debit card, ATM card, or bank account.

The customer transponder or transceiver can be associated with two or more different networks or host systems. If a merchant's transceiver reader is presented with a customer transponder that is not currently enrolled or activated for the host network associated with the merchant's reader, then the reader may receive the customer's unique ID code or transmitter code stored in the customer's transponder. The code is transmitted to the merchant's host computer along with the customer's payment and identification information. The customer's identification information may be transmitted electronically derived such as from a magnetic stripe of a credit/debit card or a driver's license. Or the indentification information may be submitted separately. In a preferred embodiment, at least one payment method is transmitted to the host computer with the unique ID for the transponder. The merchant may provide to the customer a paper form to be completed by the customer to provide the name of the customer, address, phone number, credit card number, debit card number, or other payment or customer information. The form may also comprise a preprinted or otherwise applied bar code or other identifying code. This identifying code may be transmitted to the host computer with the unique ID and payment information. When the information from the form is manually entered or optically scanned by a computer, the information may be identified by the identifying code and more efficiently matched with the corresponding unique ID and payment information. All this information may then be stored together in the host computer.

In another embodiment of the present invention, a user's unique ID code stored in the user's transponder may be associated with a second transponder. A customer profile stored in the central database which corresponds to a user's unique ID code may also be associated with a second transponder. The second transponder may be utilized in the system and method of the present invention. Transactions completed with the second transponder may be compiled and presented to the user separate from the transactions completed with the user's transponder. A different form of payment may also be associated with the second transponder than the payment information associated with the user's transponder.

For example, a user may rent a car for use on a business trip. The user presents his/her personal transponder to a rental car agency. The rental car agency associates the user's transponder with a second transponder. The second transponder may also be associated with a customer profile which the user utilizes with the rental car agency. The second transponder may comprise a transponder contained in the key associated with the rental car or a transponder associated with the keyring of the key associated with the rental car. The user may make purchase transactions with the second transponder. The second transponder may utilize the payment information associated with the user's personal transponder or it may utilize different payment information. The permitted uses of the second transponder can be restricted according to the preselections of the user or in the case of business travel, preselections by the business for its employees as communicated to the rental car agency in its stored profiles for the business' employees. For example, the second transponder could utilize a user's personal credit card or it could be associated instead with a user's business expense credit card. When the user returns the rental car to the rental car agency, the user is presented with a receipt. The receipt may contain all transactions made with the second transponder, as well as the car rental transaction. In this example, a user may more easily itemize business expenses at the end of a business trip. In a further embodiment, the second transponder is on the same keyring as the ignition key for the rental car. In an further embodiment, the second transponder or the ignition key is detachable from the keyring. In this manner, when the user provides the ignition key to a third person (e.g., parking attendant, valet, etc.), the third person does not have access to the second transponder.

In a further embodiment of the present invention, the customer transponder may be used to obtain access to a hotel room. In one embodiment, a customer wishing to obtain a hotel room may present his personal transponder to a transponder reader. Authorization for the transaction is obtained using the system and method of the present invention. Upon obtaining authorization, the customer is given the key for a hotel room. The customer may be given the key by a hotel agent, such as a desk clerk. Alternatively, the customer may be given the key automatically by a self-service check-in kiosk containing a transponder reader. In this embodiment, if the room key does not display the room number, the kiosk may print out the room number. The kiosk may also print a receipt for the transaction. In an alternative embodiment, the customer is not given a separate key for a hotel room. Instead, the customer's transponder is associated with a hotel room. The hotel room door contains a transponder reader. The hotel room door transponder reader reads the customer's transponder and unlocks the door accordingly.

In a further embodiment, the present invention comprises a system and method for restaurant transactions. In an embodiment of the present invention, a customer orders food and payment for the food is authorized using the previously described system and method for authorizing transponder transactions. The customer may order the food through a restaurant employee. Alternatively, the customer may select a food order using a self-service kiosk or by pushing buttons on the ordering system normally utilized by employees. In a further embodiment, a customer may order food prior to arriving at the restaurant. The customer may order via automated telephone selection, internet website or other suitable means for ordering food. Upon arriving at the restaurant, the payment for the previously ordered food is authorized using the customer transponder. A customer profile may store a customer's preferred food order. Upon arriving at the restaurant, a customer's transponder is read by a transponder reader. The preferred food order stored in the customer's profile is automatically selected and ordered.

Upon ordering food, a customer may wait at an order counter for delivery of the food. Alternatively, a customer may sit at a dining table. The dining table may have a transponder reader. The customer's transponder is read by the dining table transponder reader. The dining table transponder reader communicates the customer's dining table location to a restaurant employee. The restaurant employee may then deliver the customer's food to the dining table at which the customer is seated. Alternatively, a customer profile may store a customer “will call” name or nickname. This “will call” name or nickname may be communicated to a restaurant employee. Upon hearing the “will call” name or nickname, the customer would know that the food order is prepared and may receive the food at a designated order pick-up site. Alternatively, a preferred food order is stored in a customer's profile. When a customer enters a restaurant, rather than ordering at an order counter, the customer may sit at a dining table. The dining table may have a transponder reader. The customer's transponder is read by the dining table transponder reader. The preferred food order stored in the customer profile and the customer's dining table location are communicated to the restaurant. The customer's preferred food order may be delivered to the customer's dining table location.

In a further embodiment, a customer places a food order prior to arriving at a restaurant. This food order may be made using any suitable means. For example, the food order may be placed through an internet website, a telephone call, mobile telephone call, or mobile telephone internet connection. Upon arriving at the restaurant, the customer parks his/her car in one of a number of designated restaurant parking spaces. A transponder reader is associated with the parking space. The customer's transponder is read by the transponder reader. The transponder reader communicates the customer's parking space location to a restaurant employee. The restaurant employee may deliver the food order to the customer at the customer's parking space. Alternatively, a customer may place an order while at a designated restaurant parking space. For example, when the customer's transponder is read by the transponder reader associated with the restaurant parking space, a preferred food order stored in a customer profile is communicated to the restaurant. The preferred food order is delivered to the customer's parking space.

The aforementioned embodiments specifically involving restaurant ordering and payment have several advantages over current systems and methods. For example, a customer does not need to wait in line to place an order. All customers may order concurrently and simultaneously. Further, in some embodiments, restaurant employees do not have to be trained to take customer orders or even speak the same language as the customer order is automated or performed directly by the customer.

A customer profile may store data regarding customer preferences. This customer profile may be stored in a central database. Customer preferences may include whether a customer wishes to receive a receipt for purchases and what type of receipt the customer wishes to receive. For example, a customer may prefer to receive a receipt after each transaction or for certain transactions over a predefined purchase amount. Alternatively, a customer may prefer not to receive a receipt after each transaction. Instead, a customer may prefer to receive a daily e-mail communication detailing purchases made within the past 24 hours.

In an embodiment of the present invention, loyalty points are accumulated by a customer based on transactions and associated with the customer in a central database. When sufficient loyalty points have been accumulated, a customer may be offered a loyalty award from a merchant. This loyalty award may be a free or reduced price good or service. Alternatively, the loyalty award may be a credit or discount on a future transaction with the merchant. A customer's loyalty award qualification may be communicated to a merchant employee at the customer's next purchase. Alternatively, a customer may receive notification of the loyalty award via e-mail, telephone call or by accessing a customer account on an internet website. The customer may be provided means for identifying the loyalty award qualification to a merchant. For example, a special loyalty award code or coupon may be given to the customer or printed from an e-mail or website. Alternatively, loyalty award qualification may be embedded in the customer's transponder. When the customer's transponder is subsequently read by a merchant transponder reader, the loyalty award qualification is then communicated to the merchant by the transponder reader.

In a further embodiment, the present invention may be used to gain access to a service or event. For example, in this embodiment, a customer may purchase a ticket and the ticket purchase is associated with the customer in a central database. The customer's transponder unique code or other means for identifying the customer's transponder are communicated to the event location. The customer's transponder is read by a transponder reader at the event location. The customer's transponder is recognized as being associated with a customer that has previously paid for a ticket or tickets. A corresponding receipt, ticket stub, or seat assignment may be printed for the customer. However, a receipt, ticket stub, or seat assignment are not necessary as the transponder serves as the identification that the customer has paid for access to the event or service.

In a further embodiment of the present invention, a customer's profile may store preferences regarding certain types of purchases. For example, a customer's profile may only authorize transactions made within a certain geographic area, at a certain type of merchant, for certain types of products, or within a particular transaction price range.

It should be noted that, while many of the above disclosed embodiments and examples of the present invention specify a transponder device, the present invention is not so limited. The present invention does not require a transponder. For example, if a merchant does not utilize a transponder reader, a customer may provide other means for communicating the unique ID code stored in the customer's transponder. This other means may comprise information stored in the customer profile that is unique to the customer. For example, the customer may provide a PIN, biometric data or knowledge specific to the customer. This information may be communicated directly to the central database without allowing access by a merchant agent to the information.

A preferred method for processing a financial transaction will now be described in conjunction with FIGS. 13-17. As described above, the system 10 is operative for capturing a customer's transmitter ID at a POS device 34, combining the captured data with the merchant ID and the customer's selected purchase items into an authorization request, encrypting at least a portion of the request (if desired), and transmitting it to transaction processing system 26. Once it receives the authorization request, the transaction processing system 26 identifies the appropriate payment processing system 16 and then transmits the customer's payment data and the transaction data to the payment processing system 16 for authorization. After the payment processing system 16 authorizes the transaction, it transmits an authorization code back to the merchant via the transaction processing system 26. The transaction processing system 26 may also transmit customer identification and purchase data upon request by a participating merchant. In addition to its function of authorizing retail transactions, transaction processing system 26 also collects the transaction data for later use in compiling consumer purchasing trend data and tracking a consumer's progress in a merchant's loyalty program.

FIG. 13 is a flow diagram illustrating a preferred method 200 for processing financial transactions. The steps that comprise the method described in 200 are carried out by the various equipment that form a part of system 10 for processing financial transactions. The method begins at step 300 with the customer accessing the enrollment subsystem of the transaction processing system 26. This step includes all the activities that must take place before an individual can consummate retail transactions with customer transceiver 50 using transaction processing system 26. After the customer is enrolled, processing flows to step 400 and the system then is capable of processing a customer transaction. At a predetermined time interval, preferably every 24 hours, processing then flows to step 500 where system 10 updates customer preferences and profiles and settles charges for the time period. Next processing flows to step 600 at which time system 10 performs the processing necessary to archive captured data and update loyalty program data.

FIG. 14 is a detailed flow diagram depicting the steps performed by system 10 in step 300 of FIG. 13. As shown in FIG. 14, the process begins in step 310 when a customer accesses the enrollment subsystem of the transaction processing system 26 for the purpose of opening an account. The act of accessing the enrollment subsystem of transaction processing system 26 can be performed any number of ways from simply telephoning a human customer assistance representative and verbally communicating the information over the telephone, to dialing a telephone number and interfacing with a computer using dial tone multi frequency (DTMF) tones, to logging onto the Internet and accessing a predetermined uniform resource locator (URL). Once the customer is logged onto the system, processing flows to step 320 and the enrollment subsystem of transaction processing system 26 prompts the user to enter customer information. During this process, the customer provides customer profile information 102, customer payment method information 112, and customer personal information 114. These data are used for communicating with the customer and may be combined with other data (e.g., transaction information 110, customer personal information 114, etc.) to provide special promotions of particular interest to the customer. During enrollment, the customer also provides the payment methods to be invoked by the transaction processing system 26, whenever he/she initiates a transaction. For example, a customer will provide credit, debit, and other payment-related data so that the customer may be properly charged for purchases. When the customer enters data in the customer transaction database 100, he/she may select any one of the merchant's accepted payment methods in which he/she also has accounts. That is, the customer may choose to have all of his transactions conducted in merchant #1's retail establishments allocated to his VISA™ card even though he has several other cards that are also accepted by merchant #1. Alternatively, the customer may specify that his transceiver-based transactions will be processed and paid through his bank credit or debit card. Furthermore, the customer may specify that all transactions at merchant #1 will be cash transactions, despite the fact that the customer also has credit accounts accepted by merchant #1. The number of merchants associated with each customer record in customer transaction database 100 depends on the number of merchants entered into the system by a particular customer. In other words, customer #1 may have two merchant entries, corresponding to the number of merchants that the customer frequents, whereas customer #2, who is less debt averse may have 20 merchant entries. It is important to realize that certain information must be entered in order for the system to operate properly (e.g., name, address, PIN, etc.), and other information can be entered at the discretion of the customer (e.g., marital status, birth date, etc.). When enrolling, the customer is informed that not only is the input of certain information discretionary, but that they can restrict the publication and use of the information by the transaction processing system 26.

Customers may also identify a default payment method to be applied to a participating merchant for which no other payment method has been identified. This default payment method would also be applied to new merchants that join the transaction processing system 26 after the customer enrolled. Part of the enrollment process includes the customer providing customer personal information such as preferred product brands at different merchants, anniversary and other important dates, clothing sizes, etc. As explained below, all of the data provided by the customer during the enrollment process can be later changed at the customer's discretion. A customer can request more than one customer transceiver 50 to be associated with each account as well as identify other authorized users for each customer transceiver. The rules for use of multiple customer transceivers 50 by multiple individuals are controlled based on the rules of the payment processor 16.

Once the customer has entered the requested information, system 26 validates the payment methods selected by the customer for legitimacy and acceptance. This process is carried out by comparing user-inputted information with data stored in payment processing terminal 52. Once the data is determined to be valid, processing flows to step 345 and the data is stored in customer information database 100. A customer transceiver 50 is programmed with the customer's ID number in step 370, the customer transceiver 50 is mailed to the customer in step 380. Before the customer can use customer transceiver 50 to authorize a transaction, customer transceiver 50 must be activated by the customer. This security process helps ensure legitimate use of the customer transceiver 50 by authorized personnel. In a preferred embodiment, customers activate customer transceiver 50 using identification information provided by them during enrollment and information provided to them in the device package. Once customer transceiver 50 is activated, it can be used by a customer to activate a transaction. If the data is invalid, the system prompts the user to correct the invalid information and processing is routed back to step 320 where the customer is prompted to re-input the invalid information.

FIG. 14 b illustrates a further preferred embodiment of step 300 of FIG. 13. As shown in FIG. 14 b, the process beings in step 1405 when a customer presents a customer transceiver to a merchant reader or POS terminal. A transmitter ID or code is transmitted from the transceiver to the reader or POS terminal. In step 1410, the customer provides at least one method of payment and additional information corresponding to the at least one method of payment. In step 1415, the customer supplies additional customer identification. This information may include, for example, customer name, account password, PIN, mailing address, email address, daytime telephone number, evening telephone number, date of birth, Social Security number, driver's license number, spending limits, PIN usage preferences, photograph of customer, etc. In step 1420, the transmitter ID is associated with the additional customer identification. In step 1425, this transmitter ID is transmitted to a host transaction processing system or database along with the associated payment and customer information. In step 1430, the host transaction processing system determines whether the payment information supplied by the customer is valid and authorized for purchase transaction. If any payment information is invalid or not authorized for purchase transactions, the process flows to step 1435 and the customer is requested to provide further or corrected payment information. If the payment information is valid, then the process flows to step 1440. In steps 1440 and 1450, the payment and customer information is stored in association with the transmitter ID in a database utilized by the transaction processing system. The process may include merchant validation of the additional customer information (e.g., by comparing a photographic identification on a driver's license with the presenting customer).

The process may continue, as shown in step 1450, the customer wishes to then make a purchase with the newly enrolled customer transceiver. If the customer does not want to make a purchase, the process terminates. If the customer wishes to make a purchase, the process flows to step 1455. In step 1455, the customer presents the product or service desired for purchase. In step 1460, the merchant enters the transaction data for the product or service into merchant's POS terminal. In step 1465, an authorization request is transmitted to the transaction processing system by the POS terminal. The customer does not have to re-present the customer transponder to the POS terminal as the transmitter ID is already registered with the POS terminal from the enrollment process. From step 1465, the authorization request follows the methods and processes disclosed and discussed elsewhere in this specification.

FIG. 15 is a detailed flow diagram depicting the steps performed in step 400 of FIG. 13. As shown in step 410, the first step occurs when a customer shopping in merchant store 12 identifies merchandise for purchase to a sales associate. Next in step 415, the sales associate utilizes input device 40 of POS device 34 to enter the merchandise into CPU 36 which then computes a transaction amount. After reviewing the transaction record, the customer in step 420 identifies him/herself to system 26 by interfacing customer transceiver 50 with merchant transceiver 48. Customer transceiver 50 consists of an electronic transmitter/receiver combination including a unique customer/transmitter ID number programmed therein. When customer transceiver 50 interfaces with merchant transceiver 48, a customer identification signal including the unique customer/transmitter ID number is transmitted to merchant transceiver 48. To provide security, merchant transceiver 48 and customer transceiver 50 employ technology in which an interrogation signal is transmitted from merchant transceiver 48 to customer transceiver 50. customer transceiver 50 processes the interrogation signal with an algorithm which is fixedly programmed into customer transceiver 50 and then transmits a response back to merchant transceiver 48, consisting of a customer/transmitter ID number. The interrogation signal and the response signal are highly encrypted such that intense processing power over a long period of time will be necessary to fraudulently extract the unique customer/transmitter ID number from the customer transceiver 50.

Once merchant transceiver 48 receives the customer/transmitter ID number, it transmits the data, together with the specifics of the retail transaction (cost, identification of merchandise, etc.) over communications link 28 to transaction processing system 26 (step 425). An important feature of system 10 is that the customer's credit card is never exchanged with a sales associate. Therefore, the possibility that the card will be fraudulently used by an unscrupulous sales associate does not arise.

An alternate embodiment of the present invention includes a system 26 that instead of transmitting a customer's credit card number across communication links (FIGS. 3 and 9), only transmits a customer/transmitter ID across communication links. In this embodiment, payment processor 16 maintains data that provides a correlation between customer/transmitter ID numbers and payment methods. Also, merchant store 12 creates a transaction record based using the customer/transmitter ID number instead of the credit/debit card number. In operation, when an authorization request is transmitted to transaction processing system 26 from a merchant store 12, transaction processing system 26 processes transactions by matching the customer/transmitter ID number with data stored in customer information database 100. After the system identifies the customer ID (step 435), it links it to the customer's name (step 445) and then to the transaction information (step 450). If the system does not find the customer ID in step 435, it transmits a message to the merchant informing it that the customer is attempting to utilize an invalid customer transceiver (step 440). If the system finds the customer ID in step 435, it may simultaneously authorize the retail transaction, pending final authorization by the payment processor 16. That is, at the same time as the rest of the authentication process is occurring, the system may authorize the initiation of delivery of the desired goods services. For example, during an automobile refueling process, the system will activate a fuel pump, minimizing the customer's delay even though final approval has not yet been obtained. If in step 460, the system finds the merchant's name, it identifies the customer's payment method for that particular merchant (step 470) and determines the flow and destination of the authorization data, based on the type of transaction (credit, debit, cash, etc.). Security information may also be utilized by the transaction processing system 26 to reduce misuse of customer transceiver 50. Examples of controls include but are not limited to checking the frequency of use of a particular customer transceiver 50 within a certain period of time, frequency of use a customer transceiver 50 within certain financial limits and frequency of use of customer transceiver 50 and financial limits within a specific geographic region.

In the event that the transaction requires authorization, such as in a credit card transaction, the merchant POS device 34 communicates with transactions processing system 26 as described above to identify the correct payment processor 16 and transmit the transaction request to that payment processor for disposition. If the transaction is authorized in step 484, the system next in step 488 determines whether the customer is entitled to any frequent customer, or loyalty awards by comparing the customer's transaction activity stored in transaction information 110 with the loyalty program information 108. The authorization and the award data (if any) are transmitted to the merchant via the transaction processing system 26 (step 490) and in step 492, the customer is given his merchandise or services and notified of his/her award. In step 494 the transaction processing system 26 archives the transaction data in secondary storage device 94 for later analysis. If for some reason the payment processing system 16 is not able to process this particular transaction due to, for example, communication's difficulties or a transaction amount causing the customer to exceed his credit limit, a message is transmitted to the merchant via the transaction processing system 26 in step 486 that the transaction is not authorized and the in-progress delivery of merchandise (e.g., gasoline) is immediately discontinued. The sales associate is then notified in a well-known manner to ask the customer for an alternative method of payment and processing terminates. While this specification provides that the transaction terminates when the payment method cannot be authorized, there are several other alternatives that can be implemented without departing from the scope of the present invention. For example, if the payment method does not work, it is possible that an alternate could be requested by the system and utilized.

If the transaction does not require authorization (i.e., cash or other liquid asset is used), POS device 34 still communicates with transaction processing system 26 to provide transaction information 110 and loyalty program information 108 to customer information database 100 and to determine whether the customer is entitled to a loyalty award.

A customer may also utilize transaction processing system 26 to conduct inquiries into the customer's progress toward fulfilling the requirements of a particular loyalty program. To initiate the request, the customer accesses the transaction processing system 26 as mentioned above (i.e., by telephoning a human customer assistance representative and verbally communicating the request over the telephone, or dialing a telephone number and interfacing with a computer using DTMF tones, or logging onto the Internet and accessing a predetermined URL), and then communicating his/her request.

FIG. 16 is a detailed flow diagram depicting the steps performed in step 500 of FIG. 13. In a preferred embodiment, customers can update information contained in the customer information database 100 by following the same process utilized when the information is first communicated to the system. The reason for the update can range anywhere from changed circumstances (customer address, status change, etc.) to changing preferences with respect to specific merchants to adding new merchants for customer. Data security controls are utilized to ensured that only legitimate customers can access and modify their profile data. To preclude customer updates from interfering with the operation of the system, it is envisioned that transaction processing system 26 will update customer information database 100 at predetermined times during the day, preferably during off-peak usage times. As shown in step 510, transaction processing system 26 periodically retrieves updated customer profile data from an online memory location (RAM 88, or secondary storage device 94). In step 520, the transaction processing system 26 reconciles merchant accounts. That is, the system aggregates merchant sales, credits merchants and payment processors when appropriate and then presents invoices to each merchant and payment processor, based on sales activities. Customer profile information 102, merchant information 104, transaction information 110, and customer payment method information 112 are used to determine the fees to be paid to each entity (merchant store 12 and payment processor 16, and transaction processing system 26, as appropriate.). Once the information is aggregated, the transaction processing system 26 updates customer profile data (step 530).

The process depicted in FIG. 16 does not include the process performed when a user seeks to have his/her transponder activated due to it being lost or stolen. In this case, the database will be immediately updated in order to preclude fraudulent use of the transponder by unauthorized personnel.

FIG. 17 is a detailed flow diagram depicting the steps performed in step 600 of FIG. 13. The transaction processing system 26, as shown in step 610, periodically retrieves raw transaction data from secondary storage device 94. This retrieval can be performed at a predetermined time each day, or it can be performed shortly after the transaction is completed. In any event, the raw transaction data consists of customer profile information 102, merchant information 104, loyalty program information 108, transaction information 110, and customer personal information 114. This data is collected and analyzed for different purposes such as determining the effectiveness of the transaction processing system 26, refining and developing new, related products, and developing, tracking and analyzing loyalty programs and special promotions that are of specific interest to transaction processing system 26 customers and merchants. In addition, the information may be sold to merchant companies 12 and payment processing systems 16 to provide personalized service to individual customers. It is expected that merchant companies would pay for data from transaction processing system 26 based on volume or a per project basis. In step 620, the transaction processing system 26 updates loyalty data and in step 630, the updated information is transmitted to merchants who desire the additional data customer transaction data with demographic data that may be used to track customer purchasing trends.

Although the present invention has been described in terms of particularly preferred embodiments, it is not limited to these embodiments. Alternative embodiments and modifications which would still be encompassed by the invention may be made by those skilled in the art, particularly in light of the foregoing teachings. Therefore, this invention is intended to cover any alternative embodiments, modifications or equivalents which may be within the spirit and scope of the invention.

Claims (18)

What is claimed is:
1. A method for enrolling users in a transaction processing program, comprising:
receiving transmitter identification data and payment information for an unenrolled user at a point-of-sale device, wherein said payment information corresponds to a credit card, debit card, or bank account, or a combination thereof;
electronically associating said transmitter identification data with said payment information;
transmitting said associated transmitter identification data and said payment information to a host transaction processing system;
electronically enrolling the user associated with a customer transponder into the transaction processing program at the time of a transaction request by storing enrollment data comprising said associated transmitter identification data and said payment information in said host transaction processing system; and
providing a second customer transponder associated with the transmitter identification data to the user at the time of the transaction request.
2. The method of claim 1, further comprising transmitting additional customer information to said host transaction processing system, associating said additional customer information with said transmitter identification data and said payment information, and storing said associated additional customer information, transmitter identification data and said payment information.
3. The method of claim 1, wherein the providing the customer transponder and receiving the transmitter data and payment information occurs at a merchant location.
4. The method of claim 1, further comprising:
verifying the payment information.
5. A method for enrolling users in a transaction processing program, comprising:
receiving transmitter identification data and payment information for an unenrolled user at one of a plurality of point-of-sale devices, wherein said payment information corresponds to a credit card, debit card, or bank account, or a combination thereof;
transmitting said transmitter identification data and said payment information to a host transaction processing system;
electronically assigning a unique customer identifier that corresponds to said transmitter identification data;
associating said unique customer identifier, said transmitter identification data and said payment information;
electronically enrolling the user associated with a customer transponder into the transaction processing program at the time of a transaction request by storing enrollment data comprising said associated unique customer identifier, transmitter identification data and payment information in said host transaction processing system; and
providing a second customer transponder associated with the transmitter identification data to the user at the time of the transaction request.
6. The method of claim 5, further comprising transmitting additional customer information to said host transaction processing system, associating said additional customer information with said transmitter identification data and said payment information, and storing said associated additional customer information, transmitter identification data and said payment information.
7. The method of claim 5, wherein the providing the customer transponder and receiving the transmitter data and payment information occurs at a merchant location.
8. The method of claim 5, further comprising:
verifying the payment information.
9. A system, comprising:
a merchant reader that receives transmitter identification data and payment information, electronically associates said transmitter identification data with said payment information, and transmits said associated transmitter identification data and said payment information to a host transaction processing system, wherein said payment information corresponds to a credit card, debit card, or bank account, or a combination thereof; and
a host processing system that receives said transmitted information and enrolls the user associated with a customer transmitter into the transaction processing program at the time of a transaction request by storing enrollment data comprising said associated transmitter identification data and said payment information in said host transaction processing system, wherein the user is provided with a second customer transmitter associated with the transmitter identification data at the time of the transaction request.
10. The system of claim 9, wherein said merchant reader receives additional customer information and transmits the additional customer information to said host transaction processing system, and wherein said host processing system associates said additional customer information with said transmitter identification data and said payment information, and stores said associated additional customer information, transmitter identification data and said payment information.
11. The system of claim 9, wherein said merchant reader is associated with a point-of-sale device.
12. A system, comprising:
a merchant reader that receives transmitter identification data and payment information for an unenrolled user and transmits said transmitter identification data and said payment information to a host transaction processing system, wherein said payment information corresponds to a credit card, debit card, or bank account, or a combination thereof; and
a host transaction processing system that electronically assigns a unique customer identifier that corresponds to said transmitter identification data, associates said unique customer identifier, said transmitter identification data and said payment information, and enrolls the user associated with a customer transmitter into the transaction processing system at the time of a transaction request by storing enrollment data comprising said associated unique customer identifier, transmitter identification data and payment information in said host transaction processing system, wherein the user is provided with a second customer transmitter associated with the transmitter identification data at the time of the transaction request.
13. The system of claim 12, wherein said merchant reader receives additional customer information and transmits the additional customer information to said host transaction processing system, and wherein said host processing system associates said additional customer information with said transmitter identification data and said payment information, and stores said associated additional customer information, transmitter identification data and said payment information.
14. The system of claim 12, wherein said merchant reader is associated with a point-of-sale device.
15. A method for enrolling users in a transaction processing program, comprising:
receiving transmitter identification data and payment information for an unenrolled user at a point-of-sale device, wherein said payment information corresponds to a credit card, debit card, or bank account, or a combination thereof;
automatically associating said transmitter identification data with said payment information;
transmitting said associated transmitter identification data and said payment information to a host transaction processing system;
automatically enrolling the user associated with a customer transponder into the transaction processing program at the time of a transaction request by storing enrollment data comprising said associated transmitter identification data and said payment information in said host transaction processing system; and
providing a second customer transponder associated with the transmitter identification data to the user at the time of the transaction request.
16. The method of claim 15, further comprising transmitting additional customer information to said host transaction processing system, associating said additional customer information with said transmitter identification data and said payment information, and storing said associated additional customer information, transmitter identification data and said payment information.
17. A method for enrolling users in a transaction processing program, comprising:
receiving transmitter identification data and payment information for an unenrolled user at one of a plurality of point-of-sale devices, wherein said payment information corresponds to a credit card, debit card, or bank account, or a combination thereof;
transmitting said transmitter identification data and said payment information to a host transaction processing system;
automatically assigning a unique customer identifier that corresponds to said transmitter identification data;
associating said unique customer identifier, said transmitter identification data and said payment information;
automatically enrolling the user associated with a customer transponder into the transaction processing program at the time of a transaction request by storing enrollment data comprising said associated unique customer identifier, transmitter identification data and payment information in said host transaction processing system; and
providing a second customer transponder associated with the transmitter identification data to the user at the time of the transaction request.
18. The method of claim 17, further comprising transmitting additional customer information to said host transaction processing system, associating said additional customer information with said transmitter identification data and said payment information, and storing said associated additional customer information, transmitter identification data and said payment information.
US10083249 1999-02-19 2002-02-27 System and method for processing financial transactions Active 2023-06-24 US8538801B2 (en)

Priority Applications (5)

Application Number Priority Date Filing Date Title
US12076099 true 1999-02-19 1999-02-19
US09505721 US7571139B1 (en) 1999-02-19 2000-02-17 System and method for processing financial transactions
US27140801 true 2001-02-27 2001-02-27
US27843101 true 2001-03-26 2001-03-26
US10083249 US8538801B2 (en) 1999-02-19 2002-02-27 System and method for processing financial transactions

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10083249 US8538801B2 (en) 1999-02-19 2002-02-27 System and method for processing financial transactions
US10407367 US20060178986A1 (en) 2000-02-17 2003-04-04 System and method for processing financial transactions using multi-payment preferences

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
US09505721 Continuation-In-Part US7571139B1 (en) 1999-02-19 2000-02-17 System and method for processing financial transactions

Publications (2)

Publication Number Publication Date
US20020152123A1 true US20020152123A1 (en) 2002-10-17
US8538801B2 true US8538801B2 (en) 2013-09-17

Family

ID=27494334

Family Applications (1)

Application Number Title Priority Date Filing Date
US10083249 Active 2023-06-24 US8538801B2 (en) 1999-02-19 2002-02-27 System and method for processing financial transactions

Country Status (1)

Country Link
US (1) US8538801B2 (en)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20130218693A1 (en) * 2012-02-16 2013-08-22 Ebay, Inc. Obtaining instant credit at a pos with limited information
US20130274034A1 (en) * 2010-12-29 2013-10-17 Shigeo Sawatari Information terminal, golf club management method, and program
US8768379B2 (en) 2007-04-08 2014-07-01 Enhanced Geographic Llc Systems and methods to recommend businesses to a user of a wireless device based on a location history associated with the user
US20150254661A1 (en) * 2006-10-25 2015-09-10 Payfont Limited Secure authentication and payment system
US20150348048A1 (en) * 2014-05-27 2015-12-03 Bank Of America Corporation Customer communication analysis tool
US9734462B2 (en) 2003-02-12 2017-08-15 Avigilon Patent Holding 1 Corporation Method of processing a transaction for a parking session

Families Citing this family (187)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6636733B1 (en) 1997-09-19 2003-10-21 Thompson Trust Wireless messaging method
US8706630B2 (en) 1999-08-19 2014-04-22 E2Interactive, Inc. System and method for securely authorizing and distributing stored-value card data
US7343351B1 (en) 1999-08-31 2008-03-11 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions
US7953671B2 (en) 1999-08-31 2011-05-31 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions
US7837116B2 (en) 1999-09-07 2010-11-23 American Express Travel Related Services Company, Inc. Transaction card
US7827106B2 (en) 2001-07-10 2010-11-02 American Express Travel Related Services Company, Inc. System and method for manufacturing a punch-out RFID transaction device
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
USRE43460E1 (en) 2000-01-21 2012-06-12 Xatra Fund Mx, Llc Public/private dual card system and method
WO2001067355A2 (en) 2000-03-07 2001-09-13 American Express Travel Related Services Company, Inc. System for facilitating a transaction
US7650314B1 (en) 2001-05-25 2010-01-19 American Express Travel Related Services Company, Inc. System and method for securing a recurrent billing transaction
US7725427B2 (en) 2001-05-25 2010-05-25 Fred Bishop Recurrent billing maintenance with radio frequency payment devices
US7289970B1 (en) * 2000-06-07 2007-10-30 Sony Corporation Method to electronically track personal credit information
CA2419548A1 (en) * 2000-08-14 2002-02-21 Adbeep.Com, Llc Method and apparatus for displaying advertising indicia on a wireless device
US20050088283A1 (en) * 2000-08-14 2005-04-28 Housh Khoshbin System and method for communicating between a subset of nodes
US7831467B1 (en) * 2000-10-17 2010-11-09 Jpmorgan Chase Bank, N.A. Method and system for retaining customer loyalty
US7845554B2 (en) 2000-10-30 2010-12-07 Fujitsu Frontech North America, Inc. Self-checkout method and apparatus
US7353014B2 (en) * 2000-10-31 2008-04-01 Vijay Raghavan Chetty Universal portable unit
GB0122249D0 (en) * 2000-11-01 2001-11-07 British Telecomm Transaction authentication
US7295999B1 (en) 2000-12-20 2007-11-13 Jpmorgan Chase Bank, N.A. System and method for determining eligibility and enrolling members in various programs
US20040133477A1 (en) * 2001-02-02 2004-07-08 Charles Morris Self-checkout system with biometric data processing
US7558742B2 (en) * 2001-02-02 2009-07-07 Fujitsu Transaction Solutions, Inc. Multi-device supervisor support for self-checkout systems
US6820802B2 (en) * 2001-02-27 2004-11-23 American Express Travel Related Services Company, Inc. Online card activation system and method
US7672871B2 (en) * 2001-02-28 2010-03-02 Fujitsu Frontech North America Inc. Self-checkout system with anti-theft deactivation device
US7895098B2 (en) 2001-03-01 2011-02-22 Jpmorgan Chase Bank, N.A. System and method for measuring and utilizing pooling analytics
US8849716B1 (en) 2001-04-20 2014-09-30 Jpmorgan Chase Bank, N.A. System and method for preventing identity theft or misuse by restricting access
WO2002099598A3 (en) 2001-06-07 2004-03-25 First Usa Bank Na System and method for rapid updating of credit information
US20040232224A1 (en) * 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method for registering biometric for use with a fob
US7239226B2 (en) 2001-07-10 2007-07-03 American Express Travel Related Services Company, Inc. System and method for payment using radio frequency identification in contact and contactless transactions
US7503480B2 (en) 2001-07-10 2009-03-17 American Express Travel Related Services Company, Inc. Method and system for tracking user performance
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
US8960535B2 (en) 2001-07-10 2015-02-24 Iii Holdings 1, Llc Method and system for resource management and evaluation
US7925535B2 (en) 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US7762457B2 (en) 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
US8001054B1 (en) 2001-07-10 2011-08-16 American Express Travel Related Services Company, Inc. System and method for generating an unpredictable number using a seeded algorithm
US7303120B2 (en) 2001-07-10 2007-12-04 American Express Travel Related Services Company, Inc. System for biometric security using a FOB
USRE45416E1 (en) 2001-07-10 2015-03-17 Xatra Fund Mx, Llc Processing an RF transaction using a routing number
USRE45615E1 (en) 2001-07-10 2015-07-14 Xatra Fund Mx, Llc RF transaction device
US7735725B1 (en) 2001-07-10 2010-06-15 Fred Bishop Processing an RF transaction using a routing number
US7746215B1 (en) 2001-07-10 2010-06-29 Fred Bishop RF transactions using a wireless reader grid
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US7805378B2 (en) 2001-07-10 2010-09-28 American Express Travel Related Servicex Company, Inc. System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
US8284025B2 (en) * 2001-07-10 2012-10-09 Xatra Fund Mx, Llc Method and system for auditory recognition biometrics on a FOB
US8635131B1 (en) 2001-07-10 2014-01-21 American Express Travel Related Services Company, Inc. System and method for managing a transaction protocol
US7705732B2 (en) 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US20040044664A1 (en) * 2001-07-10 2004-03-04 Sabre Inc. Systems and methods for applying customer DNA to airline service and customer relationship management environments
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US8538863B1 (en) 2001-07-10 2013-09-17 American Express Travel Related Services Company, Inc. System and method for facilitating a transaction using a revolving use account associated with a primary account
US20040236699A1 (en) 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a fob
US8294552B2 (en) * 2001-07-10 2012-10-23 Xatra Fund Mx, Llc Facial scan biometrics on a payment device
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US7360689B2 (en) * 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
US7996324B2 (en) 2001-07-10 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
US7493288B2 (en) 2001-07-10 2009-02-17 Xatra Fund Mx, Llc RF payment via a mobile device
US9031880B2 (en) 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US7266839B2 (en) 2001-07-12 2007-09-04 J P Morgan Chase Bank System and method for providing discriminated content to network users
WO2003010701A8 (en) * 2001-07-24 2003-03-20 First Usa Bank Na Multiple account card and transaction routing
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US7085774B2 (en) * 2001-08-30 2006-08-01 Infonox On The Web Active profiling system for tracking and quantifying customer conversion efficiency
US8078492B2 (en) * 2001-10-02 2011-12-13 International Business Machines Corporation Providing consumers with incentives for healthy eating habits
US7987501B2 (en) 2001-12-04 2011-07-26 Jpmorgan Chase Bank, N.A. System and method for single session sign-on
US7083438B2 (en) * 2002-01-18 2006-08-01 International Business Machines Corporation Locking covers for cable connectors and data ports for use in deterring snooping of data in digital data processing systems
US20030149603A1 (en) * 2002-01-18 2003-08-07 Bruce Ferguson System and method for operating a non-linear model with missing data for use in electronic commerce
EP1485832A4 (en) * 2002-02-27 2005-03-23 Oneempower Pte Ltd Activity management method
US7131571B2 (en) * 2002-03-26 2006-11-07 First Data Corporation Alternative payment devices using electronic check processing as a payment mechanism
US7925576B2 (en) * 2002-03-26 2011-04-12 First Data Corporation Systems for processing transponder-based transactions
US20030187790A1 (en) * 2002-03-26 2003-10-02 Amy Swift Electronic check processing systems
US20030187786A1 (en) * 2002-03-26 2003-10-02 Amy Swift Merchant transponder systems using electronic check processing
JP2005524184A (en) * 2002-04-28 2005-08-11 ペイクール インターナショナル リミテッド System and method for implementing such transactions to enable the financial transaction services of the telecommunications operators
EP1504320A4 (en) * 2002-05-09 2007-07-04 Kestrel Wireless Inc Method and system for enabling electronic transactions via a personal device
US20030216987A1 (en) * 2002-05-17 2003-11-20 Cassandra Mollett Systems and methods for accessing and using phone number validation information
US20030216988A1 (en) * 2002-05-17 2003-11-20 Cassandra Mollett Systems and methods for using phone number validation in a risk assessment
JP3947919B2 (en) * 2002-05-23 2007-07-25 ソニー株式会社 The information processing system, information processing apparatus and method, and program
US8412623B2 (en) * 2002-07-15 2013-04-02 Citicorp Credit Services, Inc. Method and system for a multi-purpose transactional platform
US8543423B2 (en) 2002-07-16 2013-09-24 American Express Travel Related Services Company, Inc. Method and apparatus for enrolling with multiple transaction environments
WO2005001524A3 (en) * 2003-06-23 2007-02-01 Kestrel Wireless Inc Method and apparatus for activating optical media
US7227445B2 (en) * 2002-07-31 2007-06-05 Kestrel Wireless, Inc. Wireless activation system and method
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
US20040267673A1 (en) * 2002-09-13 2004-12-30 Ballard Claudio R. Processing of credit card transactions using internet protocol
US7412229B2 (en) * 2002-10-02 2008-08-12 Nippon Telephone And Telegraph Corporation Sales apparatus and method of transmitting and receiving merchandise information by electric field induced in human body
US8301493B2 (en) 2002-11-05 2012-10-30 Jpmorgan Chase Bank, N.A. System and method for providing incentives to consumers to share information
US20040117308A1 (en) * 2002-12-12 2004-06-17 International Business Machines Corporation Instant, physiologically-based execution of customer-oriented transactions
US7805333B2 (en) * 2003-02-14 2010-09-28 Ds-Iq, Inc. Techniques for using loyalty cards and redeeming accumulated value
US20040186781A1 (en) * 2003-03-18 2004-09-23 Swain Alan L. Verification protocol for a point of sale merchandising system
US8429041B2 (en) 2003-05-09 2013-04-23 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles
US8306907B2 (en) 2003-05-30 2012-11-06 Jpmorgan Chase Bank N.A. System and method for offering risk-based interest rates in a credit instrument
US7267267B2 (en) * 2003-08-07 2007-09-11 Exxonmobil Research & Engineering Company System and method for providing signal compatibility
US8156042B2 (en) * 2003-08-29 2012-04-10 Starbucks Corporation Method and apparatus for automatically reloading a stored value card
US8175908B1 (en) 2003-09-04 2012-05-08 Jpmorgan Chase Bank, N.A. Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data
US20050066290A1 (en) * 2003-09-16 2005-03-24 Chebolu Anil Kumar Pop-up capture
US7356703B2 (en) * 2003-09-16 2008-04-08 At&T Delaware Intellectual Property, Inc. Time-based computer access controls
WO2005048145B1 (en) * 2003-10-13 2005-07-07 Starbucks Corp D B A Starbucks Dual card
US20050080672A1 (en) * 2003-10-13 2005-04-14 Starbucks Corporation Creating customer loyalty
US8655309B2 (en) 2003-11-14 2014-02-18 E2Interactive, Inc. Systems and methods for electronic device point-of-sale activation
US20050212168A1 (en) * 2004-03-24 2005-09-29 Graham Packaging Company, L.P. Interchangeable mold blade
EP1583314A3 (en) * 2004-04-01 2006-11-02 Ectel Ltd. Detection of outliers in communication networks
US7325724B2 (en) * 2004-07-01 2008-02-05 American Express Travel Related Services Company, Inc. Method for registering a biometric for use with a smartcard
US7318550B2 (en) 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
US7014107B2 (en) * 2004-07-20 2006-03-21 Irek Singer Wireless payment processing system
GB0417964D0 (en) * 2004-08-12 2004-09-15 Culyer Robert Method for using a secure pin to protect purchases made on a mobile phone
US20060085253A1 (en) * 2004-10-18 2006-04-20 Matthew Mengerink Method and system to utilize a user network within a network-based commerce platform
EP1810440A2 (en) * 2004-10-26 2007-07-25 Kestrel Wireless, Inc. Method, system, and network for selectively controlling the utility a target
US20070194945A1 (en) * 2004-12-07 2007-08-23 Paul Atkinson Mobile Device for Selectively Activating a Target and Method of Using Same
US20060119487A1 (en) * 2004-12-07 2006-06-08 Paul Atkinson Device and method for selectively activating a target
US20060192653A1 (en) * 2005-02-18 2006-08-31 Paul Atkinson Device and method for selectively controlling the utility of an integrated circuit device
US7835941B2 (en) * 2005-01-21 2010-11-16 J2 Global Communications Method for cross-promoting communications services
US7124937B2 (en) 2005-01-21 2006-10-24 Visa U.S.A. Inc. Wireless payment methods and systems
US7472822B2 (en) 2005-03-23 2009-01-06 E2Interactive, Inc. Delivery of value identifiers using short message service (SMS)
WO2006119558A1 (en) * 2005-05-11 2006-11-16 On Q Technologies Pty Ltd Effecting ancillary actions on an established transaction network
US7617180B1 (en) * 2005-06-06 2009-11-10 Infoblox Inc. Efficient lock management
WO2007006005A3 (en) 2005-07-06 2009-04-30 Kestrel Wireless Inc Device and method for authenticating and securing transactions using rf communication
US20070192198A1 (en) * 2005-07-07 2007-08-16 American Express Travel Related Services Co., Inc. System and method for leveraging a payment authorization environment for offering and fulfilling the cross selling of products to existing customers, up selling, and acquisition of new customers
WO2007008916A3 (en) * 2005-07-11 2007-05-03 Kestrel Wireless Inc A radio frequency activated integrated circuit and method of disabling the same
CN101263524A (en) 2005-07-15 2008-09-10 革新货币公司 System and method for establishment of rules governing child accounts
US9129289B2 (en) * 2005-10-03 2015-09-08 Drew Vaughn Systems and methods for providing remote ordering capabilities
US20070223692A1 (en) * 2005-10-18 2007-09-27 Paul Atkinson Activation confirmation feedback circuits and methods
WO2007085016A3 (en) * 2006-01-20 2008-04-24 Kestrel Wireless Inc Optical media with reduced areal-sized optical shutters
US8949338B2 (en) 2006-03-13 2015-02-03 Ebay Inc. Peer-to-peer trading platform
US7575163B2 (en) 2006-07-18 2009-08-18 At&T Intellectual Property I, L.P. Interactive management of storefront purchases
US9177314B2 (en) * 2006-08-14 2015-11-03 Chijioke Chukwuemeka UZO Method of making secure electronic payments using communications devices and biometric data
US20080046114A1 (en) * 2006-08-15 2008-02-21 White Charles A System, packaging, and method for distributing products
US7908175B2 (en) * 2006-08-29 2011-03-15 At&T Intellectual Property I, Lp Methods, systems, and computer program products that facilitate and enhance personal shopping
US20080054067A1 (en) * 2006-09-05 2008-03-06 William Brian Ingle System and method for employing targeted marketing campaigns in areas with large transient populations
US8118223B2 (en) 2006-09-28 2012-02-21 Visa U.S.A. Inc. Smart sign mobile transit fare payment
US8523069B2 (en) 2006-09-28 2013-09-03 Visa U.S.A. Inc. Mobile transit fare payment
US7934639B1 (en) * 2006-11-17 2011-05-03 Capital One Financial Corporation System and method of notifying user near point of sale location of available rewards at the point of sale location
US8175961B2 (en) * 2006-11-17 2012-05-08 Visa International Service Association Method and system for using payment history for conducting commercial transactions
US7527208B2 (en) 2006-12-04 2009-05-05 Visa U.S.A. Inc. Bank issued contactless payment card used in transit fare collection
US8239325B2 (en) * 2007-01-18 2012-08-07 Paymentone Corporation Method and system to verify the identity of a user
US20080183619A1 (en) * 2007-01-31 2008-07-31 Ebay Inc. Method and system for payment funding
US7913178B2 (en) 2007-01-31 2011-03-22 Ebay Inc. Method and system for collaborative and private sessions
US8346639B2 (en) * 2007-02-28 2013-01-01 Visa U.S.A. Inc. Authentication of a data card using a transit verification value
US8386349B2 (en) * 2007-02-28 2013-02-26 Visa U.S.A. Inc. Verification of a portable consumer device in an offline environment
US20080235105A1 (en) * 2007-03-23 2008-09-25 Gilbarco Inc. System and method for providing an application-specific user interface on a personal communication device for conducting transactions with retail devices
US8032414B2 (en) * 2007-06-12 2011-10-04 Gilbarco Inc. System and method for providing receipts, advertising, promotion, loyalty programs, and contests to a consumer via an application-specific user interface on a personal communication device
US8676672B2 (en) 2007-08-23 2014-03-18 E2Interactive, Inc. Systems and methods for electronic delivery of stored value
US8738485B2 (en) 2007-12-28 2014-05-27 Visa U.S.A. Inc. Contactless prepaid product for transit fare collection
US8622308B1 (en) 2007-12-31 2014-01-07 Jpmorgan Chase Bank, N.A. System and method for processing transactions using a multi-account transactions device
US20090192905A1 (en) * 2008-01-30 2009-07-30 Dnp Photo Imaging America Corporation Self service order processing system and method with a remote receipt printer
US20090240567A1 (en) * 2008-02-21 2009-09-24 Micronotes, Llc Interactive marketing system
US20100076836A1 (en) * 2008-09-19 2010-03-25 Bank Of America Corporation Consumer information and promotion system
US20100145786A1 (en) * 2008-12-06 2010-06-10 Fordyce Iii Edward W Loyalty program service
US20100145778A1 (en) * 2008-12-08 2010-06-10 Fordyce Iii Edward W Consumer commercial behavior modification through multiple merchant incentive program
US9230259B1 (en) 2009-03-20 2016-01-05 Jpmorgan Chase Bank, N.A. Systems and methods for mobile ordering and payment
US8260645B2 (en) * 2009-03-27 2012-09-04 Bank Of America Corporation Transaction recurrence engine
US7783515B1 (en) 2009-03-27 2010-08-24 Bank Of America Corporation Itemized receipt tracking system
US20100271180A1 (en) * 2009-03-30 2010-10-28 Rcd Technology Inc. Radio frequency identification (rfid) credential for guest services
US20100257066A1 (en) * 2009-04-06 2010-10-07 Bank Of America Corporation Electronic receipts collection and management system
US20100306029A1 (en) * 2009-06-01 2010-12-02 Ryan Jolley Cardholder Clusters
US8266031B2 (en) * 2009-07-29 2012-09-11 Visa U.S.A. Systems and methods to provide benefits of account features to account holders
US20110093324A1 (en) 2009-10-19 2011-04-21 Visa U.S.A. Inc. Systems and Methods to Provide Intelligent Analytics to Cardholders and Merchants
US20110137740A1 (en) 2009-12-04 2011-06-09 Ashmit Bhattacharya Processing value-ascertainable items
WO2011084648A3 (en) * 2009-12-16 2011-09-22 Giftango Corporation Systems and methods for generating a virtual value item for a promotional campaign
US8788429B2 (en) * 2009-12-30 2014-07-22 First Data Corporation Secure transaction management
US8554631B1 (en) 2010-07-02 2013-10-08 Jpmorgan Chase Bank, N.A. Method and system for determining point of sale authorization
US9760905B2 (en) 2010-08-02 2017-09-12 Visa International Service Association Systems and methods to optimize media presentations using a camera
WO2012058326A1 (en) * 2010-10-26 2012-05-03 Modopayments, Llc System and method for managing merchant-consumer interactions
US20120197708A1 (en) * 2011-01-31 2012-08-02 Mullen Jeffrey D Systems and methods for social networking mechanisms for powered cards and devices
US9280765B2 (en) 2011-04-11 2016-03-08 Visa International Service Association Multiple tokenization for authentication
CA2833664A1 (en) * 2011-04-18 2012-10-26 Perkville, Inc. Systems and methods for facilitating promotions
US8768830B1 (en) 2011-09-08 2014-07-01 Citibank, N.A. Method and system for a multi-purpose transactional platform
CN102521742B (en) * 2011-12-23 2015-06-10 凌芳 Communication method for realizing instant settlement of trade company, consumer and distributor based on bankcard system
US8762276B2 (en) * 2011-12-28 2014-06-24 Nokia Corporation Method and apparatus for utilizing recognition data in conducting transactions
US9747253B2 (en) * 2012-06-05 2017-08-29 Redbox Automated Retail, Llc System and method for simultaneous article retrieval and transaction validation
US20140058939A1 (en) * 2012-08-24 2014-02-27 Ebay Inc. Method and apparatus for processing payment transactions from a chat application integrated with a payment application that leverages social features from the chat application
US20140172157A1 (en) * 2012-12-14 2014-06-19 Samuel W. Bellamy, III Portable Pay At The Pump
US20140222597A1 (en) * 2013-02-04 2014-08-07 Mastercard International Incorporated Intelligent mobile payment system and method
US9070175B2 (en) 2013-03-15 2015-06-30 Panera, Llc Methods and apparatus for facilitation of a food order
US9159094B2 (en) 2013-03-15 2015-10-13 Panera, Llc Methods and apparatus for facilitation of orders of food items
US20140358661A1 (en) * 2013-05-28 2014-12-04 vMobo, Inc. Location and transaction-based multi-brand loyalty service
US9519928B2 (en) 2013-07-29 2016-12-13 Bank Of American Corporation Product evaluation based on electronic receipt data
US9600839B2 (en) 2013-07-29 2017-03-21 Bank Of America Corporation Price evaluation based on electronic receipt data
US20150066742A1 (en) * 2013-08-30 2015-03-05 Geoffrey W. Chatterton Payment application with merchant physical location personalization
US20150081387A1 (en) * 2013-09-17 2015-03-19 Mastercard International Incorporated Method and system for identifying influencers from payment data
US9798987B2 (en) 2013-09-20 2017-10-24 Panera, Llc Systems and methods for analyzing restaurant operations
US9257150B2 (en) 2013-09-20 2016-02-09 Panera, Llc Techniques for analyzing operations of one or more restaurants
US9058626B1 (en) 2013-11-13 2015-06-16 Jpmorgan Chase Bank, N.A. System and method for financial services device usage
US20150149253A1 (en) * 2013-11-22 2015-05-28 Mastercard International Incorporated Method and system for integrating device data with transaction data
CN106663218A (en) 2014-03-07 2017-05-10 星巴克公司 Dual-function card with key card functionality and stored value card functionality
US20150287067A1 (en) * 2014-04-03 2015-10-08 Mastercard International Incorporated Systems and methods for connecting merchant loyalty programs with payment cards
US20150302406A1 (en) * 2014-04-18 2015-10-22 Mastercard International Incorporated Methods and systems for improving accurancy of merchant aggregation
US20150302405A1 (en) * 2014-04-18 2015-10-22 Mastercard International Incorporated Method and system for validation of merchant aggregation
US20160005023A1 (en) * 2014-07-07 2016-01-07 Google Inc. Conducting financial transactions by telephone
KR20160015512A (en) * 2014-07-30 2016-02-15 에스케이플래닛 주식회사 Method for prividing stamp service based on beacon signal
US20160042365A1 (en) * 2014-08-07 2016-02-11 Mastercard International Incorporated Method and system for transfer of consumer data to merchants
US9412118B2 (en) 2014-09-22 2016-08-09 Capital One Financial Corporation Systems and methods for providing offers using a mobile device
CA2986929A1 (en) * 2015-05-22 2016-12-01 Omnyway, Inc. Methods and systems for performing an ecommerce transaction at a physical store using a mobile device

Citations (446)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6169483A (en)
US3184714A (en) 1963-04-15 1965-05-18 Texas Instruments Inc Apparatus for use with a credit card
US3527268A (en) 1967-07-26 1970-09-08 Standard Oil Co Device for automatically filling vehicle tanks with motor fuel
US3536109A (en) 1967-12-18 1970-10-27 Standard Oil Co Control mechanism for automatic dispensing of motor fuel
US3602881A (en) * 1968-09-03 1971-08-31 Robert T Bayne Automatic toll charging system
US3639894A (en) 1969-02-19 1972-02-01 Omron Tateisi Electronics Co Apparatus for detecting traffic information
US3641569A (en) 1970-10-01 1972-02-08 Raytheon Co Highway vehicle sensor system
US3642036A (en) 1970-04-30 1972-02-15 Irwin Ginsburgh Automatic fueling system for automobiles
US3670303A (en) 1970-08-28 1972-06-13 Motorola Inc Transponder monitoring system
US3765567A (en) 1971-07-23 1973-10-16 H Jelinek Fluid dispensing data processing system
US3873019A (en) 1973-03-15 1975-03-25 Ch Electronics Inc Controlling and recording fuel dispensing
US3931497A (en) 1973-10-19 1976-01-06 Docutel Corporation Automated fuel dispenser
US3952285A (en) 1975-04-21 1976-04-20 Morse Products Manufacturing Security polling transponder system
US4075632A (en) 1974-08-27 1978-02-21 The United States Of America As Represented By The United States Department Of Energy Interrogation, and detection system
US4199100A (en) 1978-06-08 1980-04-22 Atlantic Richfield Company Credit card automated system for vehicle service stations
US4278977A (en) 1979-05-04 1981-07-14 Rca Corporation Range determining system
US4313168A (en) 1980-03-10 1982-01-26 Exxon Research & Engineering Co. Fluid register system
US4325146A (en) 1979-12-20 1982-04-13 Lennington John W Non-synchronous object identification system
US4333072A (en) 1979-08-06 1982-06-01 International Identification Incorporated Identification device
US4335426A (en) 1980-03-10 1982-06-15 International Business Machines Corporation Remote processor initialization in a multi-station peer-to-peer intercommunication system
US4338587A (en) 1979-02-23 1982-07-06 Chiappetti Arthur B Toll collection system
US4361837A (en) 1978-10-16 1982-11-30 Licentia Patent-Verwaltungs-G.M.B.H. Remote control circuit employing frequency/direct signal converters
US4384288A (en) 1980-12-31 1983-05-17 Walton Charles A Portable radio frequency emitting identifier
US4395627A (en) 1981-12-28 1983-07-26 Atlantic Richfield Company Gasoline station system for enablement of selected pumps by a credit card console located at the pump island
US4395626A (en) 1981-12-28 1983-07-26 Atlantic Richfield Company Gasoline station system for enablement of selected pumps by a credit card console located at the pump island
US4398172A (en) 1981-06-08 1983-08-09 Eaton Corporation Vehicle monitor apparatus
US4399437A (en) 1980-05-19 1983-08-16 Tag Radionics Limited Coded information arrangement
US4404639A (en) 1980-12-02 1983-09-13 Chevron Research Company Automotive diagnostic system
US4454414A (en) 1982-06-16 1984-06-12 Vericard Corporation Funds transfer system using optically coupled, portable modules
US4511970A (en) 1981-04-08 1985-04-16 Hitachi, Ltd. Portable terminal device
US4555618A (en) 1983-06-02 1985-11-26 R L Associates Method and means for collecting highway tolls
US4614945A (en) 1985-02-20 1986-09-30 Diversified Energies, Inc. Automatic/remote RF instrument reading method and apparatus
US4631708A (en) 1981-12-18 1986-12-23 Senelco Limited Transmitter/responder systems
US4658371A (en) 1981-12-16 1987-04-14 Art Systems, Inc. Fuel dispensing and vehicle maintenance system with on-board computer
US4691202A (en) 1984-04-03 1987-09-01 Denne Phillip R M Identification systems
US4728955A (en) 1984-07-04 1988-03-01 Stiftelsen Institutet For Mikrovagsteknik Vid Tekniska Hogskolan I Stockholm Method for position-finding and apparatus herefor
US4730188A (en) 1984-02-15 1988-03-08 Identification Devices, Inc. Identification system
US4739328A (en) 1986-07-14 1988-04-19 Amtech Corporation System for identifying particular objects
US4747049A (en) 1981-08-05 1988-05-24 Motorcharge Pty. Ltd. Point of sale device for the collection of sales data
US4799059A (en) 1986-03-14 1989-01-17 Enscan, Inc. Automatic/remote RF instrument monitoring system
US4804961A (en) 1985-12-12 1989-02-14 Stiftelsen Institutet For Mikrovagsteknik Vid Tekniska Hogskolan I Stockholm Method and apparatus for measuring distances
FR2600318B1 (en) 1986-06-18 1989-03-10 Cga Hbs A fuel dispensing device and management of the distribution
US4829540A (en) 1986-05-27 1989-05-09 Fairchild Weston Systems, Inc. Secure communication system for multiple remote units
US4862162A (en) 1982-12-02 1989-08-29 Sarasota Automation Limited Environmental tracking in inductance loop vehicle detection systems
US4864615A (en) 1988-05-27 1989-09-05 General Instrument Corporation Reproduction of secure keys by using distributed key generation data
US4870419A (en) 1980-02-13 1989-09-26 Eid Electronic Identification Systems, Ltd. Electronic identification system
US4882779A (en) 1984-04-12 1989-11-21 Pengeinstitutternes Kobe - Og Kreditkortaktieselskab Apparatus for communicating with data systems and a method of communicating with data systems
US4881581A (en) 1988-09-23 1989-11-21 Hollerback James A Vehicle automatic fueling assembly
US4906826A (en) 1988-09-19 1990-03-06 Visa International Service Association Usage promotion method for payment card transaction system
GB2222714A (en) 1988-09-09 1990-03-14 Avery Ltd W & T Cashless payment system
US4912471A (en) 1983-11-03 1990-03-27 Mitron Systems Corporation Interrogator-responder communication system
US4916296A (en) 1987-10-29 1990-04-10 Jerry R. Iggulden Light modulating smart card
US4918955A (en) 1986-10-07 1990-04-24 Kabushiki Kaisha Tokai Rika Denki Seisakusho Vehicle key device
GB2224418A (en) 1988-08-20 1990-05-02 Rigby Electronics Limited Automatic vehicle recognition and service data transmission system
US4932049A (en) 1989-02-06 1990-06-05 Pactel Corporation Cellular telephone system
US4977501A (en) 1988-02-22 1990-12-11 Societe Anonyme Dite: Compagnie Generale D'automatisme Cga-Hbs Fare collection system using microwaves
US4989146A (en) 1984-10-08 1991-01-29 Nissan Motor Company, Ltd. Automotive trouble diagnosing system
US5025139A (en) 1987-12-08 1991-06-18 Halliburton Jr W Ken Redeemable coupon disbursement control and reporting system
US5047613A (en) 1988-04-08 1991-09-10 Inter Innovation Ab Arrangement for dispensing bank notes and goods
US5059951A (en) 1988-11-14 1991-10-22 Checkpoint Systems, Inc. Method and apparatus for integrated data capture and electronic article surveillance
DE4012842A1 (en) 1990-04-23 1991-10-24 Schreiber Hans Petrol pump accepting charge card - has amount connected over network to central account and user is periodically charged
DE4013147A1 (en) 1990-04-25 1991-10-31 Schreiber Hans Garage fuel pump with automatic charge card - allows fuel charge to be transmitted to control reception point after dispensing
US5073781A (en) 1990-01-31 1991-12-17 Texas Instruments Deutschland Gmbh Transponder
GB2245865A (en) 1990-06-29 1992-01-15 Gec Avery Ltd Magnetic data storage card.
US5113183A (en) 1987-06-16 1992-05-12 Casio Computer Co., Ltd. Remote code transmission system between a nameplate apparatus and a data processing apparatus
GB2227209B (en) 1989-01-19 1992-06-10 Avery Ltd W & T Portable electronic token
US5124697A (en) 1989-10-16 1992-06-23 Motorola, Inc. Acknowledge-back pager
US5132687A (en) 1980-02-13 1992-07-21 Canadian National Electronic identification system
US5144667A (en) 1990-12-20 1992-09-01 Delco Electronics Corporation Method of secure remote access
US5144553A (en) 1990-05-17 1992-09-01 Hassett John J Electronic vehicle toll collection system and method
US5144312A (en) 1989-07-22 1992-09-01 United Kingdom Atomic Energy Authority Locating system
US5146068A (en) 1989-12-01 1992-09-08 Oki Electric Industry Co., Ltd. System for authenticating an authorized user of an IC card
GB2253591A (en) 1991-03-15 1992-09-16 Gec Avery Ltd Integrated circuit card
DE4107803A1 (en) 1991-03-11 1992-09-17 Ant Nachrichtentech Arrangement for locating of objects and the exchange of data with these objects
US5153583A (en) * 1987-11-18 1992-10-06 Uniscan Ltd. Transponder
US5156198A (en) 1991-02-20 1992-10-20 Hall Gerald L Pump lock fuel system
GB2255046A (en) 1991-04-23 1992-10-28 Gec Avery Ltd Magnetic data card and reader
US5164985A (en) 1987-10-27 1992-11-17 Nysen Paul A Passive universal communicator system
US5175416A (en) 1989-10-06 1992-12-29 Mansvelt Andre Peter Funds transfer system
US5192954A (en) 1981-02-13 1993-03-09 Mark Iv Transportation Products Corporation Roadway antennae
US5195092A (en) * 1987-08-04 1993-03-16 Telaction Corporation Interactive multimedia presentation & communication system
US5204512A (en) 1989-10-31 1993-04-20 Ntt Data Communications System Corporation Device for controlling communication between electronic information cards and host computer to be kept in secret
US5211129A (en) 1986-02-25 1993-05-18 Destron/Idi, Inc. Syringe-implantable identification transponder
US5214409A (en) 1991-12-03 1993-05-25 Avid Corporation Multi-memory electronic identification tag
US5228084A (en) 1991-02-28 1993-07-13 Gilbarco, Inc. Security apparatus and system for retail environments
GB2229845B (en) 1989-04-01 1993-08-04 Avery Ltd W & T Transaction system
US5253162A (en) 1990-05-17 1993-10-12 At/Comm, Incorporated Shielding field method and apparatus
US5257011A (en) 1991-12-03 1993-10-26 Avid Corporation Data altering means for multi-memory electronic identification tag
GB2266794A (en) 1992-05-01 1993-11-10 Gec Avery Ltd Inductively powered token and reader unit
US5270717A (en) 1992-03-26 1993-12-14 Texas Instruments Deutschland Gmbh Extended range RF-ID transponder
GB2267683A (en) 1992-06-02 1993-12-15 Gec Avery Ltd Integrated circuit card or token
US5287112A (en) 1993-04-14 1994-02-15 Texas Instruments Incorporated High speed read/write AVI system
US5294931A (en) 1992-04-29 1994-03-15 Texas Instruments Deutschland Gmbh Method of interrogating a plurality of transponders arranged in the transmission range of an interrogating device and transponders for use in the said method
US5294782A (en) 1991-09-27 1994-03-15 Khyber Technologies Corporation Integrated portable device for point of sale transactions
GB2257944B (en) 1990-06-29 1994-03-16 Gec Avery Ltd Integrated circuit token
US5310999A (en) * 1992-07-02 1994-05-10 At&T Bell Laboratories Secure toll collection system for moving vehicles
US5311186A (en) 1989-09-27 1994-05-10 Nippon Soken, Inc. Transponder for vehicle identification device
US5317318A (en) * 1990-07-23 1994-05-31 Alcatel N.V. Identification system using transponder badges, component parts therefor and applications thereof
US5321753A (en) 1991-07-08 1994-06-14 The United States Of America As Represented By The United States Department Of Energy Secure communication of static information by electronic means
US5325082A (en) 1992-11-19 1994-06-28 Rodriguez Juan C Comprehensive vehicle information storage system
US5327066A (en) 1993-05-25 1994-07-05 Intellectual Property Development Associates Of Connecticut, Inc. Methods and apparatus for dispensing a consumable energy source to a vehicle
GB2257092B (en) 1991-06-29 1994-07-20 Gec Avery Ltd Magnetic token and token transaction system
US5340969A (en) 1991-10-01 1994-08-23 Dresser Industries, Inc. Method and apparatus for approving transaction card based transactions
US5343906A (en) 1992-05-15 1994-09-06 Biodigital Technologies, Inc. Emisson validation system
US5347280A (en) 1993-07-02 1994-09-13 Texas Instruments Deutschland Gmbh Frequency diversity transponder arrangement
US5349332A (en) 1992-10-13 1994-09-20 Sensormatic Electronics Corportion EAS system with requency hopping
US5351052A (en) 1992-09-28 1994-09-27 Texas Instruments Incorporated Transponder systems for automatic identification purposes
US5355137A (en) 1991-10-17 1994-10-11 Texas Instruments Incorporated Method of reading the data stored in a passive responder by means of an interrogation device comprising a receiving section
US5355120A (en) 1992-10-09 1994-10-11 Security Tag Systems, Inc. Frequency-dividing-transponder tag
GB2252847B (en) 1991-02-18 1994-10-12 Gec Avery Ltd Engine management system
US5369706A (en) 1993-11-05 1994-11-29 United Technologies Automotive, Inc. Resynchronizing transmitters to receivers for secure vehicle entry using cryptography or rolling code
US5377270A (en) 1993-06-30 1994-12-27 United Technologies Automotive, Inc. Cryptographic authentication of transmitted messages using pseudorandom numbers
US5376778A (en) 1992-02-26 1994-12-27 Angewandte Digital Electronik Gmbh Contact-free chip card for remote transmission
US5377097A (en) 1991-11-26 1994-12-27 Matsushita Electric Industrial Co., Ltd. Customer order processing system
GB2279613A (en) 1993-07-02 1995-01-11 Gec Avery Ltd Integrated circuit or smart card
GB2279612A (en) 1993-07-02 1995-01-11 Gec Avery Ltd Integrated circuit or smart card.
GB2279611A (en) 1993-07-02 1995-01-11 Gec Avery Ltd An integrated circuit or smart card.
US5383500A (en) 1992-03-19 1995-01-24 Shell Oil Company Automatic refuelling system
US5388165A (en) 1989-05-01 1995-02-07 Credit Verification Corporation Method and system for building a database and performing marketing based upon prior shopping history
US5392049A (en) 1990-07-24 1995-02-21 Gunnarsson; Staffan Device for positioning a first object relative to a second object
EP0461888B1 (en) 1990-06-12 1995-03-01 Exxon Research And Engineering Company Automatically identifying and providing service to a vehicle and billing the vehicle owner for the service provided
US5396251A (en) 1992-12-15 1995-03-07 Texas Instruments Deutschland Gmbh Electronic transponder tuning procedure
US5410315A (en) 1992-12-08 1995-04-25 Texas Instruments Incorporated Group-addressable transponder arrangement
US5414427A (en) 1990-07-24 1995-05-09 Gunnarsson; Staffan Device for information transmission
US5418751A (en) 1993-09-29 1995-05-23 Texas Instruments Incorporated Variable frequency oscillator controlled EEPROM charge pump
US5422624A (en) 1993-05-25 1995-06-06 Intellectual Property Development Associates Of Connecticut, Inc. Methods and apparatus for inputting messages, including advertisements, to a vehicle
US5428363A (en) 1992-09-28 1995-06-27 Texas Instruments Incorporated Antenna system for use in an automatic vehicular identification system
US5430441A (en) * 1993-10-12 1995-07-04 Motorola, Inc. Transponding tag and method
US5430447A (en) 1993-08-23 1995-07-04 Texas Instruments Deutschland Gmbh Protection against manipulation of batteryless read/write transponders
US5432518A (en) 1993-06-15 1995-07-11 Texas Instruments Incorporated Closed slot antenna having outer and inner magnetic loops
US5434394A (en) * 1992-09-10 1995-07-18 Tandy Corporation Automated order and delivery system
US5434572A (en) 1994-06-07 1995-07-18 Ramtron International Corporation System and method for initiating communications between a controller and a selected subset of multiple transponders in a common RF field
US5438335A (en) 1987-07-31 1995-08-01 Texas Instruments Deutschland, Gmbh Responder unit for transponder arrangement
US5444742A (en) 1992-04-28 1995-08-22 Robert Bosch Gmbh System for bidirectional data transmission between a plurality of stationary units and a vehicle
US5448242A (en) 1994-04-26 1995-09-05 Texas Instruments Incorporated Modulation field detection, method and structure
US5450088A (en) 1992-11-25 1995-09-12 Texas Instruments Deutschland Gmbh Transponder arrangement
US5450087A (en) 1994-04-06 1995-09-12 Texas Instruments Incorporated Transponder maintenance mode method
US5450492A (en) 1990-05-01 1995-09-12 Disys Corporation Transponder system with variable frequency transmission
US5450086A (en) 1993-12-03 1995-09-12 Texas Instruments Deutschland Gmbh Self-tuning receiver/decoder for frequency shift keying RF data transmission
US5451959A (en) 1988-07-08 1995-09-19 Texas Instruments Deutschland Gmbh Transponder arrangement
US5451958A (en) 1993-05-21 1995-09-19 Texas Instruments Deutschland Gmbh Dual standard RF-ID system
US5451758A (en) 1993-12-08 1995-09-19 Jesadanont; Mongkol Automatic non-computer network no-stop collection of expressway tolls by magnetic cards and method
US5453747A (en) 1993-06-28 1995-09-26 Texas Instruments Deutschland Gmbh Transponder systems for automatic identification purposes
US5455575A (en) 1992-11-06 1995-10-03 Texas Instruments Deutschland Gmbh Multi-interrogator, datacom and transponder arrangement
US5457461A (en) 1993-08-11 1995-10-10 Texas Instruments Deutschland Gmbh Method and arrangement for detecting adjacent transponders
US5461386A (en) 1994-02-08 1995-10-24 Texas Instruments Incorporated Inductor/antenna for a recognition system
US5471668A (en) 1994-06-15 1995-11-28 Texas Instruments Incorporated Combined transmitter/receiver integrated circuit with learn mode
US5471669A (en) 1994-03-17 1995-11-28 Alchemist And Company, Inc. Coupon savings account system
US5471212A (en) 1994-04-26 1995-11-28 Texas Instruments Incorporated Multi-stage transponder wake-up, method and structure
US5477040A (en) * 1994-05-23 1995-12-19 Lalonde; Michael G. Structure for a method of facilitating charge transactions
US5479171A (en) 1993-04-27 1995-12-26 Texas Instruments Deutschland Gmbh Extended range RF-ID transponder
US5482139A (en) 1995-02-16 1996-01-09 M.A. Rivalto Inc. Automated drive-up vending facility
US5485520A (en) 1993-10-07 1996-01-16 Amtech Corporation Automatic real-time highway toll collection from moving vehicles
US5488376A (en) 1994-04-26 1996-01-30 Texas Instruments Incorporated Transponder interface circuit
US5489908A (en) 1994-07-27 1996-02-06 Texas Instruments Deutschland Gmbh Apparatus and method for identifying multiple transponders
US5491715A (en) 1993-06-28 1996-02-13 Texas Instruments Deutschland Gmbh Automatic antenna tuning method and circuit
US5491483A (en) 1994-01-05 1996-02-13 Texas Instruments Incorporated Single loop transponder system and method
US5493291A (en) 1993-03-31 1996-02-20 Preh-Werke Gmbh & Co. Kg Apparatus for the transfer of information in motor vehicle traffic
US5493315A (en) 1992-10-13 1996-02-20 Gilbarco Inc. Video display control
US5495250A (en) 1993-11-01 1996-02-27 Motorola, Inc. Battery-powered RF tags and apparatus for manufacturing the same
US5499181A (en) 1993-05-25 1996-03-12 Intellectual Property Development Associates Of Connecticut, Inc. Methods and apparatus for inputting information to a vehicle
US5500651A (en) 1994-06-24 1996-03-19 Texas Instruments Incorporated System and method for reading multiple RF-ID transponders
US5508705A (en) 1994-01-10 1996-04-16 Spiess; Newton E. Vehicle identification classification and communication system
US5525992A (en) * 1994-11-14 1996-06-11 Texas Instruments Deutschland Gmbh Method and system for conserving power in a recognition system
US5539189A (en) 1992-11-27 1996-07-23 Hopeman Enterprises Ltd. Card holder's paging system for commercial card data network
EP0723241A1 (en) 1995-01-23 1996-07-24 Schlumberger Industries Method for independently emitting messages on a plurality of gas pumps
US5541604A (en) 1993-09-03 1996-07-30 Texas Instruments Deutschland Gmbh Transponders, Interrogators, systems and methods for elimination of interrogator synchronization requirement
US5543798A (en) 1993-05-19 1996-08-06 Texas Instruments Deutschland Gmbh Method of providing a synchronized data stream suitable for use in a combined FDX and HDX RF-ID system
US5546523A (en) 1995-04-13 1996-08-13 Gatto; James G. Electronic fund transfer system
US5550548A (en) 1988-07-08 1996-08-27 Texas Instruments Deutschland Gmbh Interrogator for detecting adjacent transponders
US5550536A (en) 1994-08-17 1996-08-27 Texas Instruments Deutschland Gmbh Circuit frequency following technique transponder resonant
US5550358A (en) 1991-01-31 1996-08-27 Tait; Robert A. R. Non-contacting transaction system
US5554984A (en) 1993-02-19 1996-09-10 Mitsubishi Jukogyo Kabushiki Kaisha Electronic traffic tariff reception system and vehicle identification apparatus
US5557529A (en) 1995-01-05 1996-09-17 Progressive International Electronic In-dispenser-card-reader control system
US5557279A (en) 1993-09-28 1996-09-17 Texas Instruments Incorporated Unitarily-tuned transponder/shield assembly
US5557268A (en) 1992-12-16 1996-09-17 Exxon Research And Engineering Company Automatic vehicle recognition and customer automobile diagnostic system
US5572555A (en) 1994-06-15 1996-11-05 Texas Instruments Incorporated Serial code format optimized for remote control applications over noisy communications channel
US5574470A (en) * 1994-09-30 1996-11-12 Palomar Technologies Corporation Radio frequency identification transponder apparatus and method
US5587712A (en) 1993-11-12 1996-12-24 Mark Iv Transportation Products Corp. Transponder having microprocessor generated frequency shift signals
US5590038A (en) 1994-06-20 1996-12-31 Pitroda; Satyan G. Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
US5592150A (en) 1994-10-27 1997-01-07 Texas Instruments Incorporated Air coil and method of making the same
US5594448A (en) 1993-10-22 1997-01-14 Texas Instruments Incorporated Highly accurate RF-ID positioning system
US5598475A (en) 1995-03-23 1997-01-28 Texas Instruments Incorporated Rolling code identification scheme for remote control applications
US5602919A (en) * 1995-04-10 1997-02-11 Texas Instruments Incorporated Speedup for monetary transactions using a transponder in conjunction with a smartcard
US5602745A (en) 1995-01-18 1997-02-11 Gilbarco Inc. Fuel dispenser electronics design
US5602538A (en) 1994-07-27 1997-02-11 Texas Instruments Incorporated Apparatus and method for identifying multiple transponders
US5602375A (en) 1994-04-13 1997-02-11 Toyota Jidosha Kabushiki Kaisha Automatic debiting system suitable for free lane traveling
US5605182A (en) 1995-04-20 1997-02-25 Dover Corporation Vehicle identification system for a fuel dispenser
US5608406A (en) 1995-01-12 1997-03-04 Texas Instruments Incorporated Device for controlling discharge of a charge capacitor in a transponder
US5609190A (en) * 1995-06-05 1997-03-11 Shell Oil Company Automated refueling system
US5612890A (en) 1995-05-19 1997-03-18 F C Systems, Inc. System and method for controlling product dispensation utilizing metered valve apparatus and electronic interconnection map corresponding to plumbing interconnections
US5621411A (en) 1993-10-04 1997-04-15 Texas Instruments Incorporated Positioning with RF-ID transponders
US5621396A (en) 1994-06-30 1997-04-15 Texas Instruments Incorporated Method and apparatus with adaptive transponder plucking
US5625370A (en) 1994-07-25 1997-04-29 Texas Instruments Incorporated Identification system antenna with impedance transformer
US5628351A (en) * 1995-06-05 1997-05-13 Shell Oil Company Method for automated refuelling
US5629981A (en) 1994-07-29 1997-05-13 Texas Instruments Incorporated Information management and security system
US5634503A (en) * 1995-06-05 1997-06-03 Shell Oil Company Automated refuelling system
US5637846A (en) 1993-05-14 1997-06-10 Ahold Retail Services Ag Method and apparatus for electronic payment by a client in a self-service store
US5637845A (en) 1994-12-12 1997-06-10 Usa Technologies, Inc. Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine
US5638875A (en) 1992-09-04 1997-06-17 Corfitsen; Sten Apparatus for automatic refuelling of vehicles
US5640002A (en) * 1995-08-15 1997-06-17 Ruppert; Jonathan Paul Portable RF ID tag and barcode reader
US5644119A (en) 1995-06-05 1997-07-01 Shell Oil Company Customer interface for driver
US5644723A (en) 1989-05-01 1997-07-01 Credit Verification Corporation Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5648767A (en) 1994-11-30 1997-07-15 Hughes Aircraft Transponder detection system and method
US5657388A (en) 1993-05-25 1997-08-12 Security Dynamics Technologies, Inc. Method and apparatus for utilizing a token for resource access
US5663548A (en) 1994-08-05 1997-09-02 Toyota Jidosha Kabushiki Kaisha Vehicle-carried unit for automatic toll-paying systems and automatic toll-receiving apparatus
US5668591A (en) * 1994-03-30 1997-09-16 Sony Corporation Information terminal apparatus that is remotely programmed by radio waves and that displays input keys of program functions on a display
US5668876A (en) 1994-06-24 1997-09-16 Telefonaktiebolaget Lm Ericsson User authentication method and apparatus
US5675342A (en) 1993-02-23 1997-10-07 Texas Instruments Incorporated Automatic vehicle identification system capable of vehicle lane discrimination
US5677955A (en) * 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
US5680459A (en) * 1994-04-29 1997-10-21 Kasten Chase Applied Research Limited Passive transponder
US5687322A (en) 1989-05-01 1997-11-11 Credit Verification Corporation Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5694326A (en) 1996-05-08 1997-12-02 Progressive International Electronics Fuel pump - card reader control center
US5721781A (en) 1995-09-13 1998-02-24 Microsoft Corporation Authentication system and method for smart card transactions
US5724028A (en) 1994-12-21 1998-03-03 United Technologies Automotive, Inc. RF remote system with drive-away prevention
US5727153A (en) 1995-06-06 1998-03-10 Powell; Ken R. Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards
US5729697A (en) 1995-04-24 1998-03-17 International Business Machines Corporation Intelligent shopping cart
US5729236A (en) 1995-04-28 1998-03-17 Texas Instruments Incorporated Identification system reader with multiplexed antennas
US5732401A (en) 1996-03-29 1998-03-24 Intellitecs International Ltd. Activity based cost tracking systems
US5731957A (en) 1996-06-24 1998-03-24 Texas Instruments Incorporated Transponder including a fluid cushioning medium and a method for its production
US5739766A (en) 1995-07-12 1998-04-14 Ilco Unican Inc. Transponder detector
US5751227A (en) 1994-12-22 1998-05-12 Nippondenso Co., Ltd. Communication system for vehicles
DE19646153A1 (en) 1996-11-08 1998-05-14 Siemens Nixdorf Inf Syst Warenkorbabtaster
US5757286A (en) * 1993-05-28 1998-05-26 Saab-Scania Combitech Aktiebolag Method and a device for the registration of the movement of a vehicle
US5764789A (en) 1994-11-28 1998-06-09 Smarttouch, Llc Tokenless biometric ATM access system
US5774873A (en) * 1996-03-29 1998-06-30 Adt Automotive, Inc. Electronic on-line motor vehicle auction and information system
DE19701167A1 (en) 1997-01-15 1998-07-23 Siemens Ag smart card
US5790410A (en) 1996-12-12 1998-08-04 Progressive International Electronics Fuel dispenser controller with data packet transfer command
US5793324A (en) 1996-01-19 1998-08-11 Texas Instruments Incorporated Transponder signal collision avoidance system
US5793028A (en) 1996-06-24 1998-08-11 Fred N. Gratzon Electronic transaction security system
US5796832A (en) 1995-11-13 1998-08-18 Transaction Technology, Inc. Wireless transaction and information system
US5798709A (en) 1996-01-03 1998-08-25 Texas Instruments Incorporated Wireless transmitter carrier phase synchronization
US5797470A (en) 1995-12-01 1998-08-25 Atlantic Richfield Company System for transacting fuel purchases using an island transaction terminal
US5798931A (en) 1995-06-14 1998-08-25 Gilbarco Inc. Fuel dispenser/operator intercom system
US5805082A (en) * 1990-05-17 1998-09-08 At/Comm Incorporated Electronic vehicle toll collection system and method
US5819234A (en) * 1996-07-29 1998-10-06 The Chase Manhattan Bank Toll collection system
US5825302A (en) 1996-11-20 1998-10-20 Texas Instruments Incorporated System and method for transmitting data using reflected electromagnetic radiation
US5832083A (en) 1994-09-09 1998-11-03 Fujitsu Limited Method and device for utilizing data content
US5832457A (en) 1991-05-06 1998-11-03 Catalina Marketing International, Inc. Method and apparatus for selective distribution of discount coupons based on prior customer behavior
US5841364A (en) 1994-10-07 1998-11-24 Texas Instruments Incorporated Method and apparatus for transfering information from a transponder
US5842188A (en) 1995-03-13 1998-11-24 Jtw Operations, Inc. Unattended automated system for selling and dispensing with change dispensing capability
US5850187A (en) 1996-03-27 1998-12-15 Amtech Corporation Integrated electronic tag reader and wireless communication link
EP0887776A1 (en) 1997-06-23 1998-12-30 Rainer Grunert Transaction unit / method for payment administration on Internet and/or similar public client-server systems
US5857175A (en) 1995-08-11 1999-01-05 Micro Enhancement International System and method for offering targeted discounts to customers
US5856809A (en) 1997-01-22 1999-01-05 Texas Intruments Incorporated Static antenna tuning and antenna voltage measurement
US5859416A (en) 1996-05-01 1999-01-12 Gatto; James G. Fuel pump system with automated transaction processing
US5859587A (en) 1996-09-26 1999-01-12 Sensormatic Electronics Corporation Data communication and electronic article surveillance tag
US5859414A (en) 1995-12-29 1999-01-12 Aironet Wireless Communications, Inc. Interactive customer information terminal
US5857501A (en) 1993-11-28 1999-01-12 Rapac Network International, Inc. Fueling system
US5862222A (en) * 1994-05-27 1999-01-19 Gunnarsson; Staffan System at a vehicle for debiting at automatic fuelling
US5864323A (en) 1995-12-22 1999-01-26 Texas Instruments Incorporated Ring antennas for resonant circuits
US5870031A (en) 1996-01-31 1999-02-09 Texas Instruments Incorporated Full-wave rectifier and method of operation for a recognition system
US5873025A (en) 1994-03-04 1999-02-16 Ncr Corporation Modulated backscatter wireless communication system having an extended range
US5873068A (en) 1994-06-14 1999-02-16 New North Media Inc. Display based marketing message control system and method
US5874896A (en) 1996-08-26 1999-02-23 Palomar Technologies Corporation Electronic anti-shoplifting system employing an RFID tag
US5878403A (en) 1995-09-12 1999-03-02 Cmsi Computer implemented automated credit application analysis and decision routing system
GB2329301A (en) 1997-09-16 1999-03-17 Nigel Howard Petty Merchandise security tag with data storage
US5892706A (en) 1994-08-29 1999-04-06 Kabushiki Kaisha Toshiba Fram, fram card, and card system using the same
US5890520A (en) 1997-09-26 1999-04-06 Gilbarco Inc. Transponder distinction in a fueling environment
EP0907134A1 (en) 1997-09-11 1999-04-07 Esd Information Technology Entwicklungs GmbH Method for computer supported payment transaction through payment systems
US5895457A (en) 1997-06-03 1999-04-20 Gary-Williams Energy Corporation Automated filling station with change dispenser
US5901303A (en) 1996-12-27 1999-05-04 Gemplus Card International Smart cards, systems using smart cards and methods of operating said cards in systems
US5902985A (en) 1996-03-21 1999-05-11 Shell Oil Company Providing service to a vehicle
US5906228A (en) 1997-09-24 1999-05-25 Dresser Industries, Inc. Gasoline dispensing system and method with radio frequency customer identification antenna
US5915243A (en) 1996-08-29 1999-06-22 Smolen; Daniel T. Method and apparatus for delivering consumer promotions
US5917913A (en) 1996-12-04 1999-06-29 Wang; Ynjiun Paul Portable electronic authorization devices and methods therefor
US5924080A (en) 1996-05-28 1999-07-13 Incredicard Llc Computerized discount redemption system
US5923572A (en) 1996-04-02 1999-07-13 Pollock; Stephen F. Fuel dispensing control, authorization and accounting system
EP0930590A1 (en) 1998-01-16 1999-07-21 Mobil Oil Corporation Portable point-of-sale terminal with device for inputting security code access key
US5929801A (en) 1997-07-11 1999-07-27 Texas Instruments Incorporated Method for repeating interrogations until failing to receive unintelligible responses to identify plurality of transponders by an interrogator
FR2764099B1 (en) 1997-05-29 1999-07-30 Schlumberger Ind Sa Identification overall system of a vehicle in a fuel dispensing area
US5933812A (en) 1995-04-12 1999-08-03 Verifone Inc. Portable transaction terminal system
US5933096A (en) 1997-01-17 1999-08-03 Mitsubishi Denki Kabushiki Kaisha Non-stop automatic toll collection system
US5942978A (en) * 1998-04-24 1999-08-24 Sensormatic Electronics Corporation Wireless transmitter key for EAS tag detacher unit
US5948040A (en) * 1994-06-24 1999-09-07 Delorme Publishing Co. Travel reservation information and planning system
US5949043A (en) 1989-09-06 1999-09-07 Fujitsu Limited Electronic cashless system
US5948116A (en) 1996-02-23 1999-09-07 Texas Instruments Deutschland, Gmbh Bit error correction algorithm
US5952922A (en) 1996-12-31 1999-09-14 Lucent Technologies Inc. In-building modulated backscatter system
US5955969A (en) 1997-04-09 1999-09-21 Texas Instruments Incorporated Method to prevent rouge transponder responses in automatic vehicle identification systems
US5956259A (en) 1995-12-08 1999-09-21 Gilbarco Inc. Intelligent fueling
US5962829A (en) 1994-03-10 1999-10-05 Fujitsu Limited Customer management terminal equipment, customer managing method, and media for customer management
US5970148A (en) 1997-05-02 1999-10-19 Texas Instruments Deutschland, Gmbh Low cost encryption transponder
US5969691A (en) * 1998-02-10 1999-10-19 Gilbarco Inc. Fuel dispenser transponder antenna arrangement
US5971042A (en) 1997-03-04 1999-10-26 Gilbarco Inc. Precision fuel dispenser
US5979757A (en) 1996-09-05 1999-11-09 Symbol Technologies, Inc. Method and system for presenting item information using a portable data terminal
US5979753A (en) 1996-09-05 1999-11-09 Symbol Technologies, Inc. Device and method for secure data updates in a self-checkout system
US5988510A (en) 1997-02-13 1999-11-23 Micron Communications, Inc. Tamper resistant smart card and method of protecting data in a smart card
US5991749A (en) 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
US5995015A (en) 1989-05-16 1999-11-30 Electronic Advertising Solutions Innovators, Inc. D/B/A Easi, Inc. Remote electronic information display system for retail facility
US6000608A (en) 1997-07-10 1999-12-14 Dorf; Robert E. Multifunction card system
US6012049A (en) 1998-02-04 2000-01-04 Citicorp Development Center, Inc. System for performing financial transactions using a smartcard
US6014634A (en) 1995-12-26 2000-01-11 Supermarkets Online, Inc. System and method for providing shopping aids and incentives to customers through a computer network
US6016476A (en) 1997-08-11 2000-01-18 International Business Machines Corporation Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security
US6018718A (en) 1997-08-28 2000-01-25 Walker Asset Management Limited Partnership Method and system for processing customized reward offers
JP2000030150A (en) 1998-07-15 2000-01-28 Toshiba Tec Corp Commodity registration processing system using radio tag
US6021399A (en) 1996-11-25 2000-02-01 Xerox Corporation Space efficient method of verifying electronic payments
US6025799A (en) 1998-03-06 2000-02-15 Mark Iv Industries Limited Short range position locating system for transponder
US6025780A (en) 1997-07-25 2000-02-15 Checkpoint Systems, Inc. RFID tags which are virtually activated and/or deactivated and apparatus and methods of using same in an electronic security system
US6024142A (en) * 1998-06-25 2000-02-15 Micron Communications, Inc. Communications system and method, fleet management system and method, and method of impeding theft of fuel
US6026375A (en) * 1997-12-05 2000-02-15 Nortel Networks Corporation Method and apparatus for processing orders from customers in a mobile environment
US6032703A (en) 1998-09-08 2000-03-07 Ford Global Technologies, Inc. Automotive vehicle fueling system
US6037879A (en) 1997-10-02 2000-03-14 Micron Technology, Inc. Wireless identification device, RFID device, and method of manufacturing wireless identification device
US6036090A (en) 1997-07-17 2000-03-14 Telefonaktiebolaget Lm Ericsson Automated prepayment method for mobile terminals
US6038551A (en) 1996-03-11 2000-03-14 Microsoft Corporation System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer
US6038549A (en) 1997-12-22 2000-03-14 Motorola Inc Portable 1-way wireless financial messaging unit
US6039244A (en) 1996-10-04 2000-03-21 Finsterwald; Martin Method of building up a data bank containing customer data and/or for the organization of a rebate or coupon system
US6041314A (en) 1997-12-22 2000-03-21 Davis; Walter Lee Multiple account portable wireless financial messaging unit
US6039247A (en) 1997-12-19 2000-03-21 Xico, Inc. Secure, stored-value systems and methods of transferring monetary values in one or more transactions to a specific receiving device
US6046668A (en) 1996-08-08 2000-04-04 Gec-Marconi Communications. Ltd Interrogator circuit arrangement
US6046683A (en) 1996-12-31 2000-04-04 Lucent Technologies Inc. Modulated backscatter location system
US6045040A (en) 1995-07-28 2000-04-04 Streicher; Stanley H. Bar code based refueling system
US6046680A (en) 1994-06-15 2000-04-04 Texas Instruments Incorporated Method of preventing unauthorized reproduction of a transmission code
US6055521A (en) 1995-03-13 2000-04-25 Jtw Operations Unattended automated system for selling and dispensing fluids, with change-dispensing capability
US6055573A (en) 1998-12-30 2000-04-25 Supermarkets Online, Inc. Communicating with a computer based on an updated purchase behavior classification of a particular consumer
US6061344A (en) 1998-02-19 2000-05-09 Micron Technology, Inc. Method of addressing messages and communications system
JP2000134220A (en) 1998-10-28 2000-05-12 Toshiba Tec Corp Radio communication system
US6064320A (en) 1997-04-04 2000-05-16 Texas Instruments Incorporated Automatic vehicle identification system capable of vehicle lane discrimination
US6067297A (en) 1996-06-28 2000-05-23 Symbol Technologies, Inc. Embedded access point supporting communication with mobile unit operating in power-saving mode
US6070147A (en) 1996-07-02 2000-05-30 Tecmark Services, Inc. Customer identification and marketing analysis systems
US6070156A (en) * 1997-09-26 2000-05-30 Gilbarco Inc. Providing transaction estimates in a fueling and retail system
US6068030A (en) 1998-10-15 2000-05-30 Tatsuno Corp. Fueling system
US6072801A (en) 1998-02-19 2000-06-06 Micron Technology, Inc. Method of addressing messages, method of establishing wireless communications, and communications system
US6070803A (en) * 1993-05-17 2000-06-06 Stobbe; Anatoli Reading device for a transponder
US6073840A (en) * 1997-09-26 2000-06-13 Gilbarco Inc. Fuel dispensing and retail system providing for transponder prepayment
US6078251A (en) 1996-03-27 2000-06-20 Intermec Ip Corporation Integrated multi-meter and wireless communication link
US6078888A (en) * 1997-07-16 2000-06-20 Gilbarco Inc. Cryptography security for remote dispenser transactions
US6079621A (en) 1998-11-13 2000-06-27 Chrysalis-Its Inc. Secure card for E-commerce and identification
US6084530A (en) 1996-12-30 2000-07-04 Lucent Technologies Inc. Modulated backscatter sensor system
US6082618A (en) 1998-07-08 2000-07-04 Dresser Industries, Inc. Fuel dispenser hardware identification system
US6087954A (en) * 1998-02-17 2000-07-11 Marconi Commerce Systems Inc. System for enabling handicapped individuals to use gasoline dispensers
US6089284A (en) * 1998-09-24 2000-07-18 Marconi Commerce Systems Inc. Preconditioning a fuel dispensing system using a transponder
US6092052A (en) 1993-09-07 2000-07-18 Ziarno; Witold A. Method of maximizing statistical data throughput at remotely located electronic donation processing devices, and electronic device for managing statistical information
US6098048A (en) 1998-08-12 2000-08-01 Vnu Marketing Information Services, Inc. Automated data collection for consumer driving-activity survey
US6098879A (en) * 1997-09-26 2000-08-08 Gilbarco, Inc. Fuel dispensing system providing customer preferences
US6104291A (en) 1998-01-09 2000-08-15 Intermec Ip Corp. Method and apparatus for testing RFID tags
US6105006A (en) 1997-12-22 2000-08-15 Motorola Inc Transaction authentication for 1-way wireless financial messaging units
US6104290A (en) 1997-09-19 2000-08-15 National University Of Singapore Contactless identification and communication system and method of operating the same
US6112152A (en) * 1996-12-06 2000-08-29 Micron Technology, Inc. RFID system in communication with vehicle on-board computer
US6109525A (en) * 1993-05-28 2000-08-29 Saab-Scania Combitech Akitiebolag Method and device for registering vehicles in a road toll facility
US6112981A (en) 1997-02-25 2000-09-05 Dresser Industries, Inc. Bar code reader for a fuel dispenser
US6116298A (en) 1996-10-28 2000-09-12 Hi-G-Tek Ltd. Fueling system
US6119099A (en) * 1997-03-21 2000-09-12 Walker Asset Management Limited Partnership Method and system for processing supplementary product sales at a point-of-sale terminal
US6116505A (en) 1998-07-21 2000-09-12 Gilbarco Inc. Fuel transaction system for enabling the purchase of fuel and non-fuel items on a single authorization
EP0795165B1 (en) 1995-06-16 2000-09-13 Young Sam Jun Non-contacting type radio frequency recognizing credit card system
EP1039408A1 (en) 1999-03-26 2000-09-27 STMicroelectronics SA Remote power feeding for an electromagnetic transponder
US6129274A (en) 1998-06-09 2000-10-10 Fujitsu Limited System and method for updating shopping transaction history using electronic personal digital shopping assistant
US6130602A (en) 1996-05-13 2000-10-10 Micron Technology, Inc. Radio frequency data communications device
US6130623A (en) 1996-12-31 2000-10-10 Lucent Technologies Inc. Encryption for modulated backscatter systems
US6133834A (en) 1997-03-06 2000-10-17 Texas Instruments Deutschland, Gmbh Method of trimming film type antennas
US6136357A (en) 1995-10-04 2000-10-24 Ciclomulsion Ag Pharmaceutical preparation containing cyclosporin(S) for oral administration and process for producing the said preparation
US6138911A (en) 1996-12-03 2000-10-31 Carlson Companies, Inc. In-store points redemption system and method
US6140941A (en) 1997-01-17 2000-10-31 Raytheon Company Open road cashless toll collection system and method using transponders and cameras to track vehicles
US6138912A (en) 1997-10-17 2000-10-31 Nec Corporation Vehicle identification system and method using signal arrival angle measurement
US6145741A (en) 1999-04-27 2000-11-14 Wisdom; Juanita J. Universal pre-paid gasoline and travel card
EP1052603A2 (en) 1999-04-26 2000-11-15 CheckFree Corporation Cashless transactions without credit cards, debit cards or checks
US6157871A (en) 1997-09-26 2000-12-05 Marconi Commerce Systems Inc. Fuel dispensing system preventing customer drive-off
US6157321A (en) * 1996-03-15 2000-12-05 Inteligent Ideation, Inc. Vehicle data acquisition system
US6160734A (en) 1998-06-04 2000-12-12 Texas Instruments Incorporated Method for ensuring security of program data in one-time programmable memory
US6167236A (en) 1996-01-31 2000-12-26 Texas Instruments Deutschland, Gmbh Damping modulation circuit for a full-duplex transponder
US6169483B1 (en) 1999-05-04 2001-01-02 Sensormatic Electronics Corporation Self-checkout/self-check-in RFID and electronics article surveillance system
US6177860B1 (en) 1997-11-17 2001-01-23 International Business Machines Corporation Method and economical direct connected apparatus for deploying and tracking computers
US6177858B1 (en) 1995-12-01 2001-01-23 Pierre Raimbault Method for remotely interrogating tags, and station and tag implementing said method
US6179206B1 (en) 1998-12-07 2001-01-30 Fujitsu Limited Electronic shopping system having self-scanning price check and purchasing terminal
US6184846B1 (en) 2000-02-03 2001-02-06 Marconi Commerce Systems Inc. Loop conductor antenna for fuel dispenser
US6182893B1 (en) 1998-08-28 2001-02-06 Marconi Commerce Systems Inc. Customer retail apparatus having multiple card reader capability
US6191705B1 (en) 1999-03-17 2001-02-20 Mark Iv Industries, Limited Radio frequency highway management system
US6195541B1 (en) * 1998-07-31 2001-02-27 Avaya Technology Corp. Interaction of a wireless telephone with a transaction unit
US6198382B1 (en) * 1997-08-12 2001-03-06 U.S. Philips Corporation Transponder for transmitting processed data to a base station over large distances and at a high data transfer rate
US6198764B1 (en) 1997-10-08 2001-03-06 Texas Instruments Deutschland Gmbh Method for the transfer of a digital data signal from a transmitter to a receiver
US6215437B1 (en) 1998-10-13 2001-04-10 Texas Instruments Incorporated Procedure for reading the data stored in a transponder and a transponder system for the execution of the procedure
US6213391B1 (en) 1997-09-10 2001-04-10 William H. Lewis Portable system for personal identification based upon distinctive characteristics of the user
US6219543B1 (en) 1998-06-03 2001-04-17 Howard M. Myers Energy detection device
US6219613B1 (en) 2000-04-18 2001-04-17 Mark Iv Industries Limited Vehicle position determination system and method
US6236223B1 (en) * 1998-11-09 2001-05-22 Intermec Ip Corp. Method and apparatus for wireless radio frequency testing of RFID integrated circuits
US6249227B1 (en) 1998-01-05 2001-06-19 Intermec Ip Corp. RFID integrated in electronic assets
US6257486B1 (en) 1998-11-23 2001-07-10 Cardis Research & Development Ltd. Smart card pin system, card, and reader
US6259367B1 (en) 1999-09-28 2001-07-10 Elliot S. Klein Lost and found system and method
US6259353B1 (en) * 1997-05-16 2001-07-10 U.S. Philips Corporation Transponder communication device for the contactless communication with mobile transponders, including means for carrying out an operational test, and transponder constructed as an operational-test transponder
US6263319B1 (en) * 1997-09-26 2001-07-17 Masconi Commerce Systems Inc. Fuel dispensing and retail system for providing a shadow ledger
US6263316B1 (en) * 1999-02-02 2001-07-17 Momente, Llc Automated process for retailing to a vehicle occupant
US6264103B1 (en) 1998-03-10 2001-07-24 Tokheim Corporation Card processor for use in fuel dispensing equipment
US20010011229A1 (en) * 1998-10-23 2001-08-02 Scott Anderson Marketing research system and associated methods
US6275476B1 (en) 1998-02-19 2001-08-14 Micron Technology, Inc. Method of addressing messages and communications system
US6282516B1 (en) 1999-06-01 2001-08-28 Catalina Marketing International, Inc. Process, system and computer readable medium for in-store printing of discount coupons and/or other purchasing incentives in various departments within a retail store
US20010018660A1 (en) * 1997-05-06 2001-08-30 Richard P. Sehr Electronic ticketing system and methods utilizing multi-service vistior cards
EP1017614B1 (en) 1997-09-26 2001-09-05 Marconi Commerce Systems Inc. A forecourt ordering system for fuel and services at a filling station
US20010020198A1 (en) 1997-09-26 2001-09-06 Wilson Amy Hetz Fuel dispensing system for cash customers
US6292786B1 (en) 1992-05-19 2001-09-18 Incentech, Inc. Method and system for generating incentives based on substantially real-time product purchase information
US6301471B1 (en) * 1998-11-02 2001-10-09 Openwave System Inc. Online churn reduction and loyalty system
US20010029488A1 (en) 2000-02-09 2001-10-11 Yasuo Takeshima Electronic money system and electronic money terminal
US6302527B1 (en) 1999-04-20 2001-10-16 Hewlett-Packard Company Method and apparatus for transferring information between a printer portion and a replaceable printing component
US6307847B1 (en) 1998-02-19 2001-10-23 Micron Technology, Inc. Method of addressing messages and communications systems
US20010034565A1 (en) 1998-04-22 2001-10-25 Leatherman Russel Dean Rfid tag location using tag or host interaction record
US6311162B1 (en) 1998-07-25 2001-10-30 Ernst F. Reichwein Interactive symptomatic recording system and methods
US6311167B1 (en) 1997-12-22 2001-10-30 Motorola, Inc. Portable 2-way wireless financial messaging unit
US6311214B1 (en) 1995-07-27 2001-10-30 Digimarc Corporation Linking of computers based on optical sensing of digital data
US20010037249A1 (en) 1998-03-05 2001-11-01 Peter Fitzgerald Mobile electronic payment terminal
US6313737B1 (en) * 1998-06-23 2001-11-06 Marconi Commerce Systems Inc. Centralized transponder arbitration
US20010039512A1 (en) 1998-07-23 2001-11-08 Nicholson G. Randy System and method of maintaining a posted street price for fuel while offering different prices to identified customers
US6317028B1 (en) 1998-07-24 2001-11-13 Electronic Security And Identification Llc Electronic identification, control, and security system and method for consumer electronics and the like
EP0696021B1 (en) 1994-07-29 2001-11-14 Giesecke & Devrient GmbH Method to determine the actual money amount in a data carrier and system to implement this method
US6321984B1 (en) 1997-02-25 2001-11-27 Dresser Equipment Group, Inc. Adjustable price fuel dispensing system
US6323566B1 (en) * 1996-10-10 2001-11-27 Texas Instruments Incorported Transponder for remote keyless entry systems
US6321894B1 (en) 1996-07-19 2001-11-27 Yngve Johnsson Method and device for handling means for payment and means for payment
US20010045460A1 (en) 1999-09-21 2001-11-29 Reynolds Andrew E. Method and apparatus to read different types of data carriers, such as RFID tags and machine-readable symbols, and a user interface for the same
US6326934B1 (en) 1998-10-16 2001-12-04 Marconi Commerce Systems Inc. ADA convertible input display
US6325285B1 (en) 1999-11-12 2001-12-04 At&T Corp. Smart card with integrated fingerprint reader
US6330543B1 (en) 1997-11-14 2001-12-11 Concept Shopping, Inc. Method and system for distributing and reconciling electronic promotions
US20010051920A1 (en) 2000-06-07 2001-12-13 Joao Raymond Anthony Financial transaction and/or wireless communication device authorization, notification and/or security apparatus and method
US6332025B2 (en) 1996-03-11 2001-12-18 Kabushiki Kaisha Toshiba Software distribution system and software utilization scheme for improving security and user convenience
US6334575B1 (en) 2000-11-01 2002-01-01 Singular Technology Corp. Safety transaction method
US6335686B1 (en) 1998-08-14 2002-01-01 3M Innovative Properties Company Application for a radio frequency identification system
US20020002538A1 (en) 2000-01-26 2002-01-03 Ling Marvin T. Method and apparatus for conducting electronic commerce transactions using electronic tokens
US6340116B1 (en) 1999-09-16 2002-01-22 Kenneth B. Cecil Proximity card with incorporated pin code protection
US20020008639A1 (en) * 2000-05-09 2002-01-24 Dee Mark R. Parking payment system
US6343241B1 (en) 1998-04-09 2002-01-29 Mobil Oil Corporation Robotic vehicle servicing system
US20020011519A1 (en) 2000-05-04 2002-01-31 Shults John R. System and method for consumer identification using optical and electronic means
US20020011517A1 (en) 2000-07-18 2002-01-31 Nobuo Namekawa Point card, point card processing apparatus, and point card system
US20020016740A1 (en) 1998-09-25 2002-02-07 Nobuo Ogasawara System and method for customer recognition using wireless identification and visual data transmission
US20020019811A1 (en) 2000-05-31 2002-02-14 Veristar Corporation Biometric financial transaction system and method
US20020022967A1 (en) 2000-08-18 2002-02-21 International Business Machines Corporation Goods delivery method, online shopping method, online shopping system, server, and vender server
US20020026380A1 (en) 2000-08-14 2002-02-28 Xiaoqiang Su Shopping system of integrated electronic commerce and physical commerce
US20020032649A1 (en) 2000-04-13 2002-03-14 Balamurugan Selvarajan High-security E-currency IDs for E-commerce transactions
US20020032664A1 (en) 2000-04-28 2002-03-14 Tatsuhiko Ikuta Accounting system, accounting method, content executing device, accounting monitoring device, accounting control device and recording medium
US6360138B1 (en) 2000-04-06 2002-03-19 Dresser, Inc. Pump and customer access terminal interface computer converter to convert traditional pump and customer access terminal protocols to high speed ethernet protocols
US6360208B1 (en) 1999-02-04 2002-03-19 Intermec Ip Corp. Method and apparatus for automatic tax verification
US6359570B1 (en) 1999-12-22 2002-03-19 Intelligent Vehicle Systems, Inc. Vehicle-status device and system for remotely updating and locally indicating the status of a vehicle
US20020034978A1 (en) 2000-09-18 2002-03-21 Legge John V. Activity management system
US20020035622A1 (en) 2000-06-07 2002-03-21 Barber Timothy P. Online machine data collection and archiving process
US20020084889A1 (en) * 1998-07-30 2002-07-04 Joseph T. Bolavage Interrogating tags on multiple frequencies and synchronizing databases using transferable agents
US20020105440A1 (en) * 1996-10-03 2002-08-08 Combitech Traffic Systems Ab Method and device for registering the outer characteristics of a vehicle in a road toll unit
US20020111886A1 (en) * 2001-02-12 2002-08-15 Chenevich William L. Payment management
US20020111916A1 (en) * 2001-02-12 2002-08-15 Coronna Mark S. Payment management
US20020113082A1 (en) * 1997-09-26 2002-08-22 Leatherman Russel Dean Antenna placement in a fueling and retail system
US6441740B1 (en) * 1998-02-27 2002-08-27 Intermec Ip Corp. Radio frequency identification transponder having a reflector
US6470233B1 (en) * 1997-09-26 2002-10-22 Gilbarco Inc. Fuel dispensing and retail system for preventing use of stolen transponders
US6467685B1 (en) * 1997-04-01 2002-10-22 Cardis Enterprise International N.V. Countable electronic monetary system and method
US20020178063A1 (en) * 2001-05-25 2002-11-28 Kelly Gravelle Community concept for payment using RF ID transponders
US20030014357A1 (en) * 2001-07-16 2003-01-16 General Motors Corporation Method and system for conducting user defined mobile commerce
US6538563B1 (en) * 1998-03-18 2003-03-25 National University Of Singapore RF transponder identification system and protocol
US6618362B1 (en) * 1998-07-21 2003-09-09 Gilbarco Inc. Apparatus and method for using a transponder as an information buffer
US6725202B1 (en) * 1995-04-10 2004-04-20 Texas Instruments Incorporated Transaction accounting of toll transactions in transponder systems
US6882900B1 (en) * 1997-09-26 2005-04-19 Gilbarco Inc. Fuel dispensing and retail system for providing customer selected guidelines and limitations
EP0725376B1 (en) 1995-02-06 2007-04-18 Sony Corporation Charging system in interactive on-line service
US7421410B1 (en) * 1999-10-07 2008-09-02 Citicorp Development Center, Inc. Method and system for providing an incentive to use an automated teller machine (ATM)
JP5229599B1 (en) 2012-06-29 2013-07-03 貴央 山口 Method of manufacturing a display device and a display device

Patent Citations (485)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6169483A (en)
US6182893B2 (en)
US3184714A (en) 1963-04-15 1965-05-18 Texas Instruments Inc Apparatus for use with a credit card
US3527268A (en) 1967-07-26 1970-09-08 Standard Oil Co Device for automatically filling vehicle tanks with motor fuel
US3536109A (en) 1967-12-18 1970-10-27 Standard Oil Co Control mechanism for automatic dispensing of motor fuel
US3602881A (en) * 1968-09-03 1971-08-31 Robert T Bayne Automatic toll charging system
US3639894A (en) 1969-02-19 1972-02-01 Omron Tateisi Electronics Co Apparatus for detecting traffic information
US3642036A (en) 1970-04-30 1972-02-15 Irwin Ginsburgh Automatic fueling system for automobiles
US3670303A (en) 1970-08-28 1972-06-13 Motorola Inc Transponder monitoring system
US3641569A (en) 1970-10-01 1972-02-08 Raytheon Co Highway vehicle sensor system
US3765567A (en) 1971-07-23 1973-10-16 H Jelinek Fluid dispensing data processing system
US3873019A (en) 1973-03-15 1975-03-25 Ch Electronics Inc Controlling and recording fuel dispensing
US3931497A (en) 1973-10-19 1976-01-06 Docutel Corporation Automated fuel dispenser
US4075632A (en) 1974-08-27 1978-02-21 The United States Of America As Represented By The United States Department Of Energy Interrogation, and detection system
US3952285A (en) 1975-04-21 1976-04-20 Morse Products Manufacturing Security polling transponder system
US4199100A (en) 1978-06-08 1980-04-22 Atlantic Richfield Company Credit card automated system for vehicle service stations
US4361837A (en) 1978-10-16 1982-11-30 Licentia Patent-Verwaltungs-G.M.B.H. Remote control circuit employing frequency/direct signal converters
US4338587A (en) 1979-02-23 1982-07-06 Chiappetti Arthur B Toll collection system
US4278977A (en) 1979-05-04 1981-07-14 Rca Corporation Range determining system
US4333072A (en) 1979-08-06 1982-06-01 International Identification Incorporated Identification device
US4325146A (en) 1979-12-20 1982-04-13 Lennington John W Non-synchronous object identification system
US4870419A (en) 1980-02-13 1989-09-26 Eid Electronic Identification Systems, Ltd. Electronic identification system
US5132687A (en) 1980-02-13 1992-07-21 Canadian National Electronic identification system
US4335426A (en) 1980-03-10 1982-06-15 International Business Machines Corporation Remote processor initialization in a multi-station peer-to-peer intercommunication system
US4313168A (en) 1980-03-10 1982-01-26 Exxon Research & Engineering Co. Fluid register system
US4399437A (en) 1980-05-19 1983-08-16 Tag Radionics Limited Coded information arrangement
US4404639A (en) 1980-12-02 1983-09-13 Chevron Research Company Automotive diagnostic system
US4384288A (en) 1980-12-31 1983-05-17 Walton Charles A Portable radio frequency emitting identifier
US5192954A (en) 1981-02-13 1993-03-09 Mark Iv Transportation Products Corporation Roadway antennae
US4511970A (en) 1981-04-08 1985-04-16 Hitachi, Ltd. Portable terminal device
US4398172A (en) 1981-06-08 1983-08-09 Eaton Corporation Vehicle monitor apparatus
US4747049A (en) 1981-08-05 1988-05-24 Motorcharge Pty. Ltd. Point of sale device for the collection of sales data
US4658371A (en) 1981-12-16 1987-04-14 Art Systems, Inc. Fuel dispensing and vehicle maintenance system with on-board computer
US4631708A (en) 1981-12-18 1986-12-23 Senelco Limited Transmitter/responder systems
US4395626A (en) 1981-12-28 1983-07-26 Atlantic Richfield Company Gasoline station system for enablement of selected pumps by a credit card console located at the pump island
US4395627A (en) 1981-12-28 1983-07-26 Atlantic Richfield Company Gasoline station system for enablement of selected pumps by a credit card console located at the pump island
US4454414A (en) 1982-06-16 1984-06-12 Vericard Corporation Funds transfer system using optically coupled, portable modules
US4862162A (en) 1982-12-02 1989-08-29 Sarasota Automation Limited Environmental tracking in inductance loop vehicle detection systems
US4555618A (en) 1983-06-02 1985-11-26 R L Associates Method and means for collecting highway tolls
US4912471A (en) 1983-11-03 1990-03-27 Mitron Systems Corporation Interrogator-responder communication system
US5166676A (en) 1984-02-15 1992-11-24 Destron/Idi, Inc. Identification system
US5041826A (en) 1984-02-15 1991-08-20 Destron/Idi Inc. Identification system
US4730188A (en) 1984-02-15 1988-03-08 Identification Devices, Inc. Identification system
US4691202A (en) 1984-04-03 1987-09-01 Denne Phillip R M Identification systems
US4882779A (en) 1984-04-12 1989-11-21 Pengeinstitutternes Kobe - Og Kreditkortaktieselskab Apparatus for communicating with data systems and a method of communicating with data systems
US4728955A (en) 1984-07-04 1988-03-01 Stiftelsen Institutet For Mikrovagsteknik Vid Tekniska Hogskolan I Stockholm Method for position-finding and apparatus herefor
US4989146A (en) 1984-10-08 1991-01-29 Nissan Motor Company, Ltd. Automotive trouble diagnosing system
US4614945A (en) 1985-02-20 1986-09-30 Diversified Energies, Inc. Automatic/remote RF instrument reading method and apparatus
US4804961A (en) 1985-12-12 1989-02-14 Stiftelsen Institutet For Mikrovagsteknik Vid Tekniska Hogskolan I Stockholm Method and apparatus for measuring distances
US5211129A (en) 1986-02-25 1993-05-18 Destron/Idi, Inc. Syringe-implantable identification transponder
US4799059A (en) 1986-03-14 1989-01-17 Enscan, Inc. Automatic/remote RF instrument monitoring system
US4829540A (en) 1986-05-27 1989-05-09 Fairchild Weston Systems, Inc. Secure communication system for multiple remote units
FR2600318B1 (en) 1986-06-18 1989-03-10 Cga Hbs A fuel dispensing device and management of the distribution
US4739328A (en) 1986-07-14 1988-04-19 Amtech Corporation System for identifying particular objects
US4918955A (en) 1986-10-07 1990-04-24 Kabushiki Kaisha Tokai Rika Denki Seisakusho Vehicle key device
US5113183A (en) 1987-06-16 1992-05-12 Casio Computer Co., Ltd. Remote code transmission system between a nameplate apparatus and a data processing apparatus
US5444448A (en) 1987-07-31 1995-08-22 Texas Instruments Deutschland Gmbh Arrangement interrogation unit for transponder
US5438335A (en) 1987-07-31 1995-08-01 Texas Instruments Deutschland, Gmbh Responder unit for transponder arrangement
US5195092A (en) * 1987-08-04 1993-03-16 Telaction Corporation Interactive multimedia presentation & communication system
US5164985A (en) 1987-10-27 1992-11-17 Nysen Paul A Passive universal communicator system
US4916296A (en) 1987-10-29 1990-04-10 Jerry R. Iggulden Light modulating smart card
US5153583A (en) * 1987-11-18 1992-10-06 Uniscan Ltd. Transponder
US5025139A (en) 1987-12-08 1991-06-18 Halliburton Jr W Ken Redeemable coupon disbursement control and reporting system
US4977501A (en) 1988-02-22 1990-12-11 Societe Anonyme Dite: Compagnie Generale D'automatisme Cga-Hbs Fare collection system using microwaves
US5047613A (en) 1988-04-08 1991-09-10 Inter Innovation Ab Arrangement for dispensing bank notes and goods
US4864615A (en) 1988-05-27 1989-09-05 General Instrument Corporation Reproduction of secure keys by using distributed key generation data
US5451959A (en) 1988-07-08 1995-09-19 Texas Instruments Deutschland Gmbh Transponder arrangement
US5550548A (en) 1988-07-08 1996-08-27 Texas Instruments Deutschland Gmbh Interrogator for detecting adjacent transponders
GB2224418A (en) 1988-08-20 1990-05-02 Rigby Electronics Limited Automatic vehicle recognition and service data transmission system
GB2222714A (en) 1988-09-09 1990-03-14 Avery Ltd W & T Cashless payment system
US4906826A (en) 1988-09-19 1990-03-06 Visa International Service Association Usage promotion method for payment card transaction system
US4881581A (en) 1988-09-23 1989-11-21 Hollerback James A Vehicle automatic fueling assembly
US5059951A (en) 1988-11-14 1991-10-22 Checkpoint Systems, Inc. Method and apparatus for integrated data capture and electronic article surveillance
US5200601A (en) 1989-01-19 1993-04-06 W. & T. Avery Limited Flexible identification card or token
GB2227209B (en) 1989-01-19 1992-06-10 Avery Ltd W & T Portable electronic token
US4932049A (en) 1989-02-06 1990-06-05 Pactel Corporation Cellular telephone system
US5352877A (en) 1989-04-01 1994-10-04 W. & T. Avery Limited Non-contact transaction system with token presence detection
GB2229845B (en) 1989-04-01 1993-08-04 Avery Ltd W & T Transaction system
US5644723A (en) 1989-05-01 1997-07-01 Credit Verification Corporation Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5687322A (en) 1989-05-01 1997-11-11 Credit Verification Corporation Method and system for selective incentive point-of-sale marketing in response to customer shopping histories
US5388165A (en) 1989-05-01 1995-02-07 Credit Verification Corporation Method and system for building a database and performing marketing based upon prior shopping history
US5995015A (en) 1989-05-16 1999-11-30 Electronic Advertising Solutions Innovators, Inc. D/B/A Easi, Inc. Remote electronic information display system for retail facility
US5144312A (en) 1989-07-22 1992-09-01 United Kingdom Atomic Energy Authority Locating system
US5949043A (en) 1989-09-06 1999-09-07 Fujitsu Limited Electronic cashless system
US5311186A (en) 1989-09-27 1994-05-10 Nippon Soken, Inc. Transponder for vehicle identification device
US5175416A (en) 1989-10-06 1992-12-29 Mansvelt Andre Peter Funds transfer system
US5124697A (en) 1989-10-16 1992-06-23 Motorola, Inc. Acknowledge-back pager
US5204512A (en) 1989-10-31 1993-04-20 Ntt Data Communications System Corporation Device for controlling communication between electronic information cards and host computer to be kept in secret
US5146068A (en) 1989-12-01 1992-09-08 Oki Electric Industry Co., Ltd. System for authenticating an authorized user of an IC card
US5073781A (en) 1990-01-31 1991-12-17 Texas Instruments Deutschland Gmbh Transponder
DE4012842A1 (en) 1990-04-23 1991-10-24 Schreiber Hans Petrol pump accepting charge card - has amount connected over network to central account and user is periodically charged
DE4013147A1 (en) 1990-04-25 1991-10-31 Schreiber Hans Garage fuel pump with automatic charge card - allows fuel charge to be transmitted to control reception point after dispensing
US5450492A (en) 1990-05-01 1995-09-12 Disys Corporation Transponder system with variable frequency transmission
US5144553A (en) 1990-05-17 1992-09-01 Hassett John J Electronic vehicle toll collection system and method
US5805082A (en) * 1990-05-17 1998-09-08 At/Comm Incorporated Electronic vehicle toll collection system and method
US5253162A (en) 1990-05-17 1993-10-12 At/Comm, Incorporated Shielding field method and apparatus
EP0461888B1 (en) 1990-06-12 1995-03-01 Exxon Research And Engineering Company Automatically identifying and providing service to a vehicle and billing the vehicle owner for the service provided
GB2245865A (en) 1990-06-29 1992-01-15 Gec Avery Ltd Magnetic data storage card.
GB2257944B (en) 1990-06-29 1994-03-16 Gec Avery Ltd Integrated circuit token
US5317318A (en) * 1990-07-23 1994-05-31 Alcatel N.V. Identification system using transponder badges, component parts therefor and applications thereof
US5392049A (en) 1990-07-24 1995-02-21 Gunnarsson; Staffan Device for positioning a first object relative to a second object
US5414427A (en) 1990-07-24 1995-05-09 Gunnarsson; Staffan Device for information transmission
US5144667A (en) 1990-12-20 1992-09-01 Delco Electronics Corporation Method of secure remote access
US5550358A (en) 1991-01-31 1996-08-27 Tait; Robert A. R. Non-contacting transaction system
GB2252847B (en) 1991-02-18 1994-10-12 Gec Avery Ltd Engine management system
US5156198A (en) 1991-02-20 1992-10-20 Hall Gerald L Pump lock fuel system
US5228084A (en) 1991-02-28 1993-07-13 Gilbarco, Inc. Security apparatus and system for retail environments
US5448638A (en) 1991-02-28 1995-09-05 Gilbarco, Inc. Security apparatus and system for retail environments
US5384850A (en) 1991-02-28 1995-01-24 Gilbarco Security apparatus and system for retail environments
DE4107803A1 (en) 1991-03-11 1992-09-17 Ant Nachrichtentech Arrangement for locating of objects and the exchange of data with these objects
GB2253591A (en) 1991-03-15 1992-09-16 Gec Avery Ltd Integrated circuit card
GB2255046A (en) 1991-04-23 1992-10-28 Gec Avery Ltd Magnetic data card and reader
US5832457A (en) 1991-05-06 1998-11-03 Catalina Marketing International, Inc. Method and apparatus for selective distribution of discount coupons based on prior customer behavior
GB2257092B (en) 1991-06-29 1994-07-20 Gec Avery Ltd Magnetic token and token transaction system
US5321753A (en) 1991-07-08 1994-06-14 The United States Of America As Represented By The United States Department Of Energy Secure communication of static information by electronic means
US5294782A (en) 1991-09-27 1994-03-15 Khyber Technologies Corporation Integrated portable device for point of sale transactions
US5489773A (en) 1991-09-27 1996-02-06 Khyber Technologies Corporation Integrated portable device for point of sale transactions
US5340969A (en) 1991-10-01 1994-08-23 Dresser Industries, Inc. Method and apparatus for approving transaction card based transactions
US5355137A (en) 1991-10-17 1994-10-11 Texas Instruments Incorporated Method of reading the data stored in a passive responder by means of an interrogation device comprising a receiving section
US5377097A (en) 1991-11-26 1994-12-27 Matsushita Electric Industrial Co., Ltd. Customer order processing system
US5214409A (en) 1991-12-03 1993-05-25 Avid Corporation Multi-memory electronic identification tag
US5257011A (en) 1991-12-03 1993-10-26 Avid Corporation Data altering means for multi-memory electronic identification tag
US5376778A (en) 1992-02-26 1994-12-27 Angewandte Digital Electronik Gmbh Contact-free chip card for remote transmission
US5383500A (en) 1992-03-19 1995-01-24 Shell Oil Company Automatic refuelling system
US5270717A (en) 1992-03-26 1993-12-14 Texas Instruments Deutschland Gmbh Extended range RF-ID transponder
US5444742A (en) 1992-04-28 1995-08-22 Robert Bosch Gmbh System for bidirectional data transmission between a plurality of stationary units and a vehicle
US5294931A (en) 1992-04-29 1994-03-15 Texas Instruments Deutschland Gmbh Method of interrogating a plurality of transponders arranged in the transmission range of an interrogating device and transponders for use in the said method
GB2266794A (en) 1992-05-01 1993-11-10 Gec Avery Ltd Inductively powered token and reader unit
US5343906A (en) 1992-05-15 1994-09-06 Biodigital Technologies, Inc. Emisson validation system
US6292786B1 (en) 1992-05-19 2001-09-18 Incentech, Inc. Method and system for generating incentives based on substantially real-time product purchase information
GB2267683A (en) 1992-06-02 1993-12-15 Gec Avery Ltd Integrated circuit card or token
US5310999A (en) * 1992-07-02 1994-05-10 At&T Bell Laboratories Secure toll collection system for moving vehicles
US5638875A (en) 1992-09-04 1997-06-17 Corfitsen; Sten Apparatus for automatic refuelling of vehicles
US5434394A (en) * 1992-09-10 1995-07-18 Tandy Corporation Automated order and delivery system
US5428363A (en) 1992-09-28 1995-06-27 Texas Instruments Incorporated Antenna system for use in an automatic vehicular identification system
US5351052A (en) 1992-09-28 1994-09-27 Texas Instruments Incorporated Transponder systems for automatic identification purposes
US5355120A (en) 1992-10-09 1994-10-11 Security Tag Systems, Inc. Frequency-dividing-transponder tag
US5349332A (en) 1992-10-13 1994-09-20 Sensormatic Electronics Corportion EAS system with requency hopping
US5493315A (en) 1992-10-13 1996-02-20 Gilbarco Inc. Video display control
US5455575A (en) 1992-11-06 1995-10-03 Texas Instruments Deutschland Gmbh Multi-interrogator, datacom and transponder arrangement
US5325082A (en) 1992-11-19 1994-06-28 Rodriguez Juan C Comprehensive vehicle information storage system
US5450088A (en) 1992-11-25 1995-09-12 Texas Instruments Deutschland Gmbh Transponder arrangement
US5548291A (en) 1992-11-25 1996-08-20 Texas Instruments Deutschland Gmbh Read/write transponder arrangement and method of communication
US5539189A (en) 1992-11-27 1996-07-23 Hopeman Enterprises Ltd. Card holder's paging system for commercial card data network
US5410315A (en) 1992-12-08 1995-04-25 Texas Instruments Incorporated Group-addressable transponder arrangement
US5491484A (en) 1992-12-15 1996-02-13 Texas Instruments Incorporated Electronic transponder tuning circuitry
US5396251A (en) 1992-12-15 1995-03-07 Texas Instruments Deutschland Gmbh Electronic transponder tuning procedure
US5557268A (en) 1992-12-16 1996-09-17 Exxon Research And Engineering Company Automatic vehicle recognition and customer automobile diagnostic system
US5554984A (en) 1993-02-19 1996-09-10 Mitsubishi Jukogyo Kabushiki Kaisha Electronic traffic tariff reception system and vehicle identification apparatus
US5675342A (en) 1993-02-23 1997-10-07 Texas Instruments Incorporated Automatic vehicle identification system capable of vehicle lane discrimination
US5701127A (en) 1993-02-23 1997-12-23 Texas Instruments Incorporated Automatic vehicle identification system capable of vehicle lane discrimination
US5493291A (en) 1993-03-31 1996-02-20 Preh-Werke Gmbh & Co. Kg Apparatus for the transfer of information in motor vehicle traffic
US5287112A (en) 1993-04-14 1994-02-15 Texas Instruments Incorporated High speed read/write AVI system
US5374930A (en) 1993-04-14 1994-12-20 Texas Instruments Deutschland Gmbh High speed read/write AVI system
US5479171A (en) 1993-04-27 1995-12-26 Texas Instruments Deutschland Gmbh Extended range RF-ID transponder
US5637846A (en) 1993-05-14 1997-06-10 Ahold Retail Services Ag Method and apparatus for electronic payment by a client in a self-service store
US6070803A (en) * 1993-05-17 2000-06-06 Stobbe; Anatoli Reading device for a transponder
US5543798A (en) 1993-05-19 1996-08-06 Texas Instruments Deutschland Gmbh Method of providing a synchronized data stream suitable for use in a combined FDX and HDX RF-ID system
US5451958A (en) 1993-05-21 1995-09-19 Texas Instruments Deutschland Gmbh Dual standard RF-ID system
US5717374A (en) 1993-05-25 1998-02-10 Intellectual Property Development Associates Of Connecticut, Incorporated Methods and apparatus for inputting messages, including advertisements, to a vehicle
US5422624A (en) 1993-05-25 1995-06-06 Intellectual Property Development Associates Of Connecticut, Inc. Methods and apparatus for inputting messages, including advertisements, to a vehicle
US5499181A (en) 1993-05-25 1996-03-12 Intellectual Property Development Associates Of Connecticut, Inc. Methods and apparatus for inputting information to a vehicle
US5657388A (en) 1993-05-25 1997-08-12 Security Dynamics Technologies, Inc. Method and apparatus for utilizing a token for resource access
US5327066A (en) 1993-05-25 1994-07-05 Intellectual Property Development Associates Of Connecticut, Inc. Methods and apparatus for dispensing a consumable energy source to a vehicle
US5742229A (en) 1993-05-25 1998-04-21 Intellectual Property Development Associates Of Connecticut, Inc. Methods and apparatus for dispensing a consumable energy source to a vehicle
US6109525A (en) * 1993-05-28 2000-08-29 Saab-Scania Combitech Akitiebolag Method and device for registering vehicles in a road toll facility
US5757286A (en) * 1993-05-28 1998-05-26 Saab-Scania Combitech Aktiebolag Method and a device for the registration of the movement of a vehicle
US5432518A (en) 1993-06-15 1995-07-11 Texas Instruments Incorporated Closed slot antenna having outer and inner magnetic loops
US5691731A (en) 1993-06-15 1997-11-25 Texas Instruments Incorporated Closed slot antenna having outer and inner magnetic loops
US5453747A (en) 1993-06-28 1995-09-26 Texas Instruments Deutschland Gmbh Transponder systems for automatic identification purposes
US5491715A (en) 1993-06-28 1996-02-13 Texas Instruments Deutschland Gmbh Automatic antenna tuning method and circuit
US5377270A (en) 1993-06-30 1994-12-27 United Technologies Automotive, Inc. Cryptographic authentication of transmitted messages using pseudorandom numbers
GB2279611A (en) 1993-07-02 1995-01-11 Gec Avery Ltd An integrated circuit or smart card.
GB2279613A (en) 1993-07-02 1995-01-11 Gec Avery Ltd Integrated circuit or smart card
US5347280A (en) 1993-07-02 1994-09-13 Texas Instruments Deutschland Gmbh Frequency diversity transponder arrangement
GB2279612A (en) 1993-07-02 1995-01-11 Gec Avery Ltd Integrated circuit or smart card.
US5457461A (en) 1993-08-11 1995-10-10 Texas Instruments Deutschland Gmbh Method and arrangement for detecting adjacent transponders
US5430447A (en) 1993-08-23 1995-07-04 Texas Instruments Deutschland Gmbh Protection against manipulation of batteryless read/write transponders
US5541604A (en) 1993-09-03 1996-07-30 Texas Instruments Deutschland Gmbh Transponders, Interrogators, systems and methods for elimination of interrogator synchronization requirement
US6092052A (en) 1993-09-07 2000-07-18 Ziarno; Witold A. Method of maximizing statistical data throughput at remotely located electronic donation processing devices, and electronic device for managing statistical information
US5557279A (en) 1993-09-28 1996-09-17 Texas Instruments Incorporated Unitarily-tuned transponder/shield assembly
US5418751A (en) 1993-09-29 1995-05-23 Texas Instruments Incorporated Variable frequency oscillator controlled EEPROM charge pump
US5621411A (en) 1993-10-04 1997-04-15 Texas Instruments Incorporated Positioning with RF-ID transponders
US5485520A (en) 1993-10-07 1996-01-16 Amtech Corporation Automatic real-time highway toll collection from moving vehicles
US5430441A (en) * 1993-10-12 1995-07-04 Motorola, Inc. Transponding tag and method
US5594448A (en) 1993-10-22 1997-01-14 Texas Instruments Incorporated Highly accurate RF-ID positioning system
US5619207A (en) 1993-10-22 1997-04-08 Texas Instruments Incorporated Highly accurate RE-ID positioning system
US5495250A (en) 1993-11-01 1996-02-27 Motorola, Inc. Battery-powered RF tags and apparatus for manufacturing the same
US5369706A (en) 1993-11-05 1994-11-29 United Technologies Automotive, Inc. Resynchronizing transmitters to receivers for secure vehicle entry using cryptography or rolling code
US5587712A (en) 1993-11-12 1996-12-24 Mark Iv Transportation Products Corp. Transponder having microprocessor generated frequency shift signals
US5857501A (en) 1993-11-28 1999-01-12 Rapac Network International, Inc. Fueling system
US5450086A (en) 1993-12-03 1995-09-12 Texas Instruments Deutschland Gmbh Self-tuning receiver/decoder for frequency shift keying RF data transmission
US5451758A (en) 1993-12-08 1995-09-19 Jesadanont; Mongkol Automatic non-computer network no-stop collection of expressway tolls by magnetic cards and method
US5491483A (en) 1994-01-05 1996-02-13 Texas Instruments Incorporated Single loop transponder system and method
US5508705A (en) 1994-01-10 1996-04-16 Spiess; Newton E. Vehicle identification classification and communication system
US5561430A (en) 1994-02-08 1996-10-01 Texas Instruments Deutschland Gmbh Inductor/antenna for a recognition system
US5461386A (en) 1994-02-08 1995-10-24 Texas Instruments Incorporated Inductor/antenna for a recognition system
US5873025A (en) 1994-03-04 1999-02-16 Ncr Corporation Modulated backscatter wireless communication system having an extended range
US5962829A (en) 1994-03-10 1999-10-05 Fujitsu Limited Customer management terminal equipment, customer managing method, and media for customer management
US5471669A (en) 1994-03-17 1995-11-28 Alchemist And Company, Inc. Coupon savings account system
US5668591A (en) * 1994-03-30 1997-09-16 Sony Corporation Information terminal apparatus that is remotely programmed by radio waves and that displays input keys of program functions on a display
US5686920A (en) * 1994-04-06 1997-11-11 Texas Instruments Incorporated Transponder maintenance mode method
US5450087A (en) 1994-04-06 1995-09-12 Texas Instruments Incorporated Transponder maintenance mode method
US5602375A (en) 1994-04-13 1997-02-11 Toyota Jidosha Kabushiki Kaisha Automatic debiting system suitable for free lane traveling
US5448242A (en) 1994-04-26 1995-09-05 Texas Instruments Incorporated Modulation field detection, method and structure
US5488376A (en) 1994-04-26 1996-01-30 Texas Instruments Incorporated Transponder interface circuit
US5525994A (en) * 1994-04-26 1996-06-11 Texas Instruments Inc. Transponder interface circuit
US5621412A (en) 1994-04-26 1997-04-15 Texas Instruments Incorporated Multi-stage transponder wake-up, method and structure
US5471212A (en) 1994-04-26 1995-11-28 Texas Instruments Incorporated Multi-stage transponder wake-up, method and structure
US5680459A (en) * 1994-04-29 1997-10-21 Kasten Chase Applied Research Limited Passive transponder
US5477040A (en) * 1994-05-23 1995-12-19 Lalonde; Michael G. Structure for a method of facilitating charge transactions
US5862222A (en) * 1994-05-27 1999-01-19 Gunnarsson; Staffan System at a vehicle for debiting at automatic fuelling
US5434572A (en) 1994-06-07 1995-07-18 Ramtron International Corporation System and method for initiating communications between a controller and a selected subset of multiple transponders in a common RF field
US5873068A (en) 1994-06-14 1999-02-16 New North Media Inc. Display based marketing message control system and method
US5572555A (en) 1994-06-15 1996-11-05 Texas Instruments Incorporated Serial code format optimized for remote control applications over noisy communications channel
US6046680A (en) 1994-06-15 2000-04-04 Texas Instruments Incorporated Method of preventing unauthorized reproduction of a transmission code
US5832377A (en) 1994-06-15 1998-11-03 Texas Instruments, Incorporated Combined transmitter/receiver integrated circuit with learn mode
US5471668A (en) 1994-06-15 1995-11-28 Texas Instruments Incorporated Combined transmitter/receiver integrated circuit with learn mode
US5590038A (en) 1994-06-20 1996-12-31 Pitroda; Satyan G. Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions
US5884271A (en) 1994-06-20 1999-03-16 Pitroda; Satyan G. Device, system and methods of conducting paperless transactions
US5500651A (en) 1994-06-24 1996-03-19 Texas Instruments Incorporated System and method for reading multiple RF-ID transponders
US5668876A (en) 1994-06-24 1997-09-16 Telefonaktiebolaget Lm Ericsson User authentication method and apparatus
US5948040A (en) * 1994-06-24 1999-09-07 Delorme Publishing Co. Travel reservation information and planning system
US5621396A (en) 1994-06-30 1997-04-15 Texas Instruments Incorporated Method and apparatus with adaptive transponder plucking
US5625370A (en) 1994-07-25 1997-04-29 Texas Instruments Incorporated Identification system antenna with impedance transformer
US5489908A (en) 1994-07-27 1996-02-06 Texas Instruments Deutschland Gmbh Apparatus and method for identifying multiple transponders
US5602538A (en) 1994-07-27 1997-02-11 Texas Instruments Incorporated Apparatus and method for identifying multiple transponders
EP0696021B1 (en) 1994-07-29 2001-11-14 Giesecke & Devrient GmbH Method to determine the actual money amount in a data carrier and system to implement this method
US5629981A (en) 1994-07-29 1997-05-13 Texas Instruments Incorporated Information management and security system
US5663548A (en) 1994-08-05 1997-09-02 Toyota Jidosha Kabushiki Kaisha Vehicle-carried unit for automatic toll-paying systems and automatic toll-receiving apparatus
US5550536A (en) 1994-08-17 1996-08-27 Texas Instruments Deutschland Gmbh Circuit frequency following technique transponder resonant
US5892706A (en) 1994-08-29 1999-04-06 Kabushiki Kaisha Toshiba Fram, fram card, and card system using the same
US5832083A (en) 1994-09-09 1998-11-03 Fujitsu Limited Method and device for utilizing data content
US5574470A (en) * 1994-09-30 1996-11-12 Palomar Technologies Corporation Radio frequency identification transponder apparatus and method
US5841364A (en) 1994-10-07 1998-11-24 Texas Instruments Incorporated Method and apparatus for transfering information from a transponder
US5592150A (en) 1994-10-27 1997-01-07 Texas Instruments Incorporated Air coil and method of making the same
US5867100A (en) 1994-10-27 1999-02-02 Texas Instruments Incorporated Air Coil a security badge and a transponder
US5525992A (en) * 1994-11-14 1996-06-11 Texas Instruments Deutschland Gmbh Method and system for conserving power in a recognition system
US5764789A (en) 1994-11-28 1998-06-09 Smarttouch, Llc Tokenless biometric ATM access system
US5648767A (en) 1994-11-30 1997-07-15 Hughes Aircraft Transponder detection system and method
US5637845A (en) 1994-12-12 1997-06-10 Usa Technologies, Inc. Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine
US5724028A (en) 1994-12-21 1998-03-03 United Technologies Automotive, Inc. RF remote system with drive-away prevention
US5751227A (en) 1994-12-22 1998-05-12 Nippondenso Co., Ltd. Communication system for vehicles
US5557529A (en) 1995-01-05 1996-09-17 Progressive International Electronic In-dispenser-card-reader control system
US5608406A (en) 1995-01-12 1997-03-04 Texas Instruments Incorporated Device for controlling discharge of a charge capacitor in a transponder
US5602745A (en) 1995-01-18 1997-02-11 Gilbarco Inc. Fuel dispenser electronics design
EP0723241A1 (en) 1995-01-23 1996-07-24 Schlumberger Industries Method for independently emitting messages on a plurality of gas pumps
EP0725376B1 (en) 1995-02-06 2007-04-18 Sony Corporation Charging system in interactive on-line service
US5482139A (en) 1995-02-16 1996-01-09 M.A. Rivalto Inc. Automated drive-up vending facility
US5842188A (en) 1995-03-13 1998-11-24 Jtw Operations, Inc. Unattended automated system for selling and dispensing with change dispensing capability
US6055521A (en) 1995-03-13 2000-04-25 Jtw Operations Unattended automated system for selling and dispensing fluids, with change-dispensing capability
US5598475A (en) 1995-03-23 1997-01-28 Texas Instruments Incorporated Rolling code identification scheme for remote control applications
US5677955A (en) * 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
US5602919A (en) * 1995-04-10 1997-02-11 Texas Instruments Incorporated Speedup for monetary transactions using a transponder in conjunction with a smartcard
US6725202B1 (en) * 1995-04-10 2004-04-20 Texas Instruments Incorporated Transaction accounting of toll transactions in transponder systems
US5933812A (en) 1995-04-12 1999-08-03 Verifone Inc. Portable transaction terminal system
US5546523A (en) 1995-04-13 1996-08-13 Gatto; James G. Electronic fund transfer system
US6149055A (en) 1995-04-13 2000-11-21 Gatto; James G. Electronic fund transfer or transaction system
US5605182A (en) 1995-04-20 1997-02-25 Dover Corporation Vehicle identification system for a fuel dispenser
US5729697A (en) 1995-04-24 1998-03-17 International Business Machines Corporation Intelligent shopping cart
US5729236A (en) 1995-04-28 1998-03-17 Texas Instruments Incorporated Identification system reader with multiplexed antennas
US6239675B1 (en) 1995-04-28 2001-05-29 Texas Instruments Incorporated Tuning circuit having switchable capacitor controlled by a selection circuit
US6118189A (en) 1995-04-28 2000-09-12 Texas Instruments Deutschland, Dmbh Identification system reader with multiplexed antennas
US5612890A (en) 1995-05-19 1997-03-18 F C Systems, Inc. System and method for controlling product dispensation utilizing metered valve apparatus and electronic interconnection map corresponding to plumbing interconnections
US5609190A (en) * 1995-06-05 1997-03-11 Shell Oil Company Automated refueling system
US5628351A (en) * 1995-06-05 1997-05-13 Shell Oil Company Method for automated refuelling
US5634503A (en) * 1995-06-05 1997-06-03 Shell Oil Company Automated refuelling system
US5644119A (en) 1995-06-05 1997-07-01 Shell Oil Company Customer interface for driver
US5727153A (en) 1995-06-06 1998-03-10 Powell; Ken R. Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards
US5798931A (en) 1995-06-14 1998-08-25 Gilbarco Inc. Fuel dispenser/operator intercom system
EP0795165B1 (en) 1995-06-16 2000-09-13 Young Sam Jun Non-contacting type radio frequency recognizing credit card system
US5739766A (en) 1995-07-12 1998-04-14 Ilco Unican Inc. Transponder detector
US6311214B1 (en) 1995-07-27 2001-10-30 Digimarc Corporation Linking of computers based on optical sensing of digital data
US6045040A (en) 1995-07-28 2000-04-04 Streicher; Stanley H. Bar code based refueling system
US20010013011A1 (en) 1995-08-11 2001-08-09 Larry J. Day Targeted marketing and purchase behavior monitoring system
US5857175A (en) 1995-08-11 1999-01-05 Micro Enhancement International System and method for offering targeted discounts to customers
US5640002A (en) * 1995-08-15 1997-06-17 Ruppert; Jonathan Paul Portable RF ID tag and barcode reader
US5878403A (en) 1995-09-12 1999-03-02 Cmsi Computer implemented automated credit application analysis and decision routing system
US5721781A (en) 1995-09-13 1998-02-24 Microsoft Corporation Authentication system and method for smart card transactions
US6136357A (en) 1995-10-04 2000-10-24 Ciclomulsion Ag Pharmaceutical preparation containing cyclosporin(S) for oral administration and process for producing the said preparation
US5796832A (en) 1995-11-13 1998-08-18 Transaction Technology, Inc. Wireless transaction and information system
US6177858B1 (en) 1995-12-01 2001-01-23 Pierre Raimbault Method for remotely interrogating tags, and station and tag implementing said method
US5797470A (en) 1995-12-01 1998-08-25 Atlantic Richfield Company System for transacting fuel purchases using an island transaction terminal
US5956259A (en) 1995-12-08 1999-09-21 Gilbarco Inc. Intelligent fueling
US5864323A (en) 1995-12-22 1999-01-26 Texas Instruments Incorporated Ring antennas for resonant circuits
US6014634A (en) 1995-12-26 2000-01-11 Supermarkets Online, Inc. System and method for providing shopping aids and incentives to customers through a computer network
US5859414A (en) 1995-12-29 1999-01-12 Aironet Wireless Communications, Inc. Interactive customer information terminal
US5798709A (en) 1996-01-03 1998-08-25 Texas Instruments Incorporated Wireless transmitter carrier phase synchronization
US5793324A (en) 1996-01-19 1998-08-11 Texas Instruments Incorporated Transponder signal collision avoidance system
US6167236A (en) 1996-01-31 2000-12-26 Texas Instruments Deutschland, Gmbh Damping modulation circuit for a full-duplex transponder
US5870031A (en) 1996-01-31 1999-02-09 Texas Instruments Incorporated Full-wave rectifier and method of operation for a recognition system
US5948116A (en) 1996-02-23 1999-09-07 Texas Instruments Deutschland, Gmbh Bit error correction algorithm
US6332025B2 (en) 1996-03-11 2001-12-18 Kabushiki Kaisha Toshiba Software distribution system and software utilization scheme for improving security and user convenience
US6038551A (en) 1996-03-11 2000-03-14 Microsoft Corporation System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer
US6157321A (en) * 1996-03-15 2000-12-05 Inteligent Ideation, Inc. Vehicle data acquisition system
US5902985A (en) 1996-03-21 1999-05-11 Shell Oil Company Providing service to a vehicle
US5850187A (en) 1996-03-27 1998-12-15 Amtech Corporation Integrated electronic tag reader and wireless communication link
US6078251A (en) 1996-03-27 2000-06-20 Intermec Ip Corporation Integrated multi-meter and wireless communication link
US5732401A (en) 1996-03-29 1998-03-24 Intellitecs International Ltd. Activity based cost tracking systems
US5774873A (en) * 1996-03-29 1998-06-30 Adt Automotive, Inc. Electronic on-line motor vehicle auction and information system
US5923572A (en) 1996-04-02 1999-07-13 Pollock; Stephen F. Fuel dispensing control, authorization and accounting system
US5859416A (en) 1996-05-01 1999-01-12 Gatto; James G. Fuel pump system with automated transaction processing
US5694326A (en) 1996-05-08 1997-12-02 Progressive International Electronics Fuel pump - card reader control center
US6157230A (en) 1996-05-13 2000-12-05 Micron Technology, Inc. Method for realizing an improved radio frequency detector for use in a radio frequency identification device, frequency lock loop, timing oscillator, method of constructing a frequency lock loop and method of operating an integrated circuit
US6130602A (en) 1996-05-13 2000-10-10 Micron Technology, Inc. Radio frequency data communications device
US5924080A (en) 1996-05-28 1999-07-13 Incredicard Llc Computerized discount redemption system
US5731957A (en) 1996-06-24 1998-03-24 Texas Instruments Incorporated Transponder including a fluid cushioning medium and a method for its production
US5793028A (en) 1996-06-24 1998-08-11 Fred N. Gratzon Electronic transaction security system
US6067297A (en) 1996-06-28 2000-05-23 Symbol Technologies, Inc. Embedded access point supporting communication with mobile unit operating in power-saving mode
US6070147A (en) 1996-07-02 2000-05-30 Tecmark Services, Inc. Customer identification and marketing analysis systems
US6321894B1 (en) 1996-07-19 2001-11-27 Yngve Johnsson Method and device for handling means for payment and means for payment
US5819234A (en) * 1996-07-29 1998-10-06 The Chase Manhattan Bank Toll collection system
US6046668A (en) 1996-08-08 2000-04-04 Gec-Marconi Communications. Ltd Interrogator circuit arrangement
US5874896A (en) 1996-08-26 1999-02-23 Palomar Technologies Corporation Electronic anti-shoplifting system employing an RFID tag
US5915243A (en) 1996-08-29 1999-06-22 Smolen; Daniel T. Method and apparatus for delivering consumer promotions
US5979753A (en) 1996-09-05 1999-11-09 Symbol Technologies, Inc. Device and method for secure data updates in a self-checkout system
US5979757A (en) 1996-09-05 1999-11-09 Symbol Technologies, Inc. Method and system for presenting item information using a portable data terminal
US5991749A (en) 1996-09-11 1999-11-23 Morrill, Jr.; Paul H. Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
US5859587A (en) 1996-09-26 1999-01-12 Sensormatic Electronics Corporation Data communication and electronic article surveillance tag
US20020105440A1 (en) * 1996-10-03 2002-08-08 Combitech Traffic Systems Ab Method and device for registering the outer characteristics of a vehicle in a road toll unit
US6039244A (en) 1996-10-04 2000-03-21 Finsterwald; Martin Method of building up a data bank containing customer data and/or for the organization of a rebate or coupon system
US6323566B1 (en) * 1996-10-10 2001-11-27 Texas Instruments Incorported Transponder for remote keyless entry systems
US6116298A (en) 1996-10-28 2000-09-12 Hi-G-Tek Ltd. Fueling system
DE19646153A1 (en) 1996-11-08 1998-05-14 Siemens Nixdorf Inf Syst Warenkorbabtaster
US5825302A (en) 1996-11-20 1998-10-20 Texas Instruments Incorporated System and method for transmitting data using reflected electromagnetic radiation
US6021399A (en) 1996-11-25 2000-02-01 Xerox Corporation Space efficient method of verifying electronic payments
US6138911A (en) 1996-12-03 2000-10-31 Carlson Companies, Inc. In-store points redemption system and method
US5917913A (en) 1996-12-04 1999-06-29 Wang; Ynjiun Paul Portable electronic authorization devices and methods therefor
US6112152A (en) * 1996-12-06 2000-08-29 Micron Technology, Inc. RFID system in communication with vehicle on-board computer
US5790410A (en) 1996-12-12 1998-08-04 Progressive International Electronics Fuel dispenser controller with data packet transfer command
US5901303A (en) 1996-12-27 1999-05-04 Gemplus Card International Smart cards, systems using smart cards and methods of operating said cards in systems
US6084530A (en) 1996-12-30 2000-07-04 Lucent Technologies Inc. Modulated backscatter sensor system
US6046683A (en) 1996-12-31 2000-04-04 Lucent Technologies Inc. Modulated backscatter location system
US5952922A (en) 1996-12-31 1999-09-14 Lucent Technologies Inc. In-building modulated backscatter system
US6130623A (en) 1996-12-31 2000-10-10 Lucent Technologies Inc. Encryption for modulated backscatter systems
DE19701167A1 (en) 1997-01-15 1998-07-23 Siemens Ag smart card
US6140941A (en) 1997-01-17 2000-10-31 Raytheon Company Open road cashless toll collection system and method using transponders and cameras to track vehicles
US5933096A (en) 1997-01-17 1999-08-03 Mitsubishi Denki Kabushiki Kaisha Non-stop automatic toll collection system
US5856809A (en) 1997-01-22 1999-01-05 Texas Intruments Incorporated Static antenna tuning and antenna voltage measurement
US5988510A (en) 1997-02-13 1999-11-23 Micron Communications, Inc. Tamper resistant smart card and method of protecting data in a smart card
US6321984B1 (en) 1997-02-25 2001-11-27 Dresser Equipment Group, Inc. Adjustable price fuel dispensing system
US6112981A (en) 1997-02-25 2000-09-05 Dresser Industries, Inc. Bar code reader for a fuel dispenser
US5971042A (en) 1997-03-04 1999-10-26 Gilbarco Inc. Precision fuel dispenser
US6133834A (en) 1997-03-06 2000-10-17 Texas Instruments Deutschland, Gmbh Method of trimming film type antennas
US6119099A (en) * 1997-03-21 2000-09-12 Walker Asset Management Limited Partnership Method and system for processing supplementary product sales at a point-of-sale terminal
US6467685B1 (en) * 1997-04-01 2002-10-22 Cardis Enterprise International N.V. Countable electronic monetary system and method
US6064320A (en) 1997-04-04 2000-05-16 Texas Instruments Incorporated Automatic vehicle identification system capable of vehicle lane discrimination
US5955969A (en) 1997-04-09 1999-09-21 Texas Instruments Incorporated Method to prevent rouge transponder responses in automatic vehicle identification systems
US5970148A (en) 1997-05-02 1999-10-19 Texas Instruments Deutschland, Gmbh Low cost encryption transponder
US20010018660A1 (en) * 1997-05-06 2001-08-30 Richard P. Sehr Electronic ticketing system and methods utilizing multi-service vistior cards
US6259353B1 (en) * 1997-05-16 2001-07-10 U.S. Philips Corporation Transponder communication device for the contactless communication with mobile transponders, including means for carrying out an operational test, and transponder constructed as an operational-test transponder
FR2764099B1 (en) 1997-05-29 1999-07-30 Schlumberger Ind Sa Identification overall system of a vehicle in a fuel dispensing area
US5895457A (en) 1997-06-03 1999-04-20 Gary-Williams Energy Corporation Automated filling station with change dispenser
EP0887776A1 (en) 1997-06-23 1998-12-30 Rainer Grunert Transaction unit / method for payment administration on Internet and/or similar public client-server systems
US6000608A (en) 1997-07-10 1999-12-14 Dorf; Robert E. Multifunction card system
US5929801A (en) 1997-07-11 1999-07-27 Texas Instruments Incorporated Method for repeating interrogations until failing to receive unintelligible responses to identify plurality of transponders by an interrogator
US6078888A (en) * 1997-07-16 2000-06-20 Gilbarco Inc. Cryptography security for remote dispenser transactions
US6185307B1 (en) 1997-07-16 2001-02-06 Gilbarco Inc. Cryptography security for remote dispenser transactions
US6036090A (en) 1997-07-17 2000-03-14 Telefonaktiebolaget Lm Ericsson Automated prepayment method for mobile terminals
US6025780A (en) 1997-07-25 2000-02-15 Checkpoint Systems, Inc. RFID tags which are virtually activated and/or deactivated and apparatus and methods of using same in an electronic security system
US6016476A (en) 1997-08-11 2000-01-18 International Business Machines Corporation Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security
US6198382B1 (en) * 1997-08-12 2001-03-06 U.S. Philips Corporation Transponder for transmitting processed data to a base station over large distances and at a high data transfer rate
US6018718A (en) 1997-08-28 2000-01-25 Walker Asset Management Limited Partnership Method and system for processing customized reward offers
US6213391B1 (en) 1997-09-10 2001-04-10 William H. Lewis Portable system for personal identification based upon distinctive characteristics of the user
EP0907134A1 (en) 1997-09-11 1999-04-07 Esd Information Technology Entwicklungs GmbH Method for computer supported payment transaction through payment systems
GB2329301A (en) 1997-09-16 1999-03-17 Nigel Howard Petty Merchandise security tag with data storage
US6104290A (en) 1997-09-19 2000-08-15 National University Of Singapore Contactless identification and communication system and method of operating the same
US5906228A (en) 1997-09-24 1999-05-25 Dresser Industries, Inc. Gasoline dispensing system and method with radio frequency customer identification antenna
US6574603B1 (en) * 1997-09-26 2003-06-03 Gilbarco Inc. In-vehicle ordering
US20020113082A1 (en) * 1997-09-26 2002-08-22 Leatherman Russel Dean Antenna placement in a fueling and retail system
US6810304B1 (en) * 1997-09-26 2004-10-26 Gilbarco Inc. Multistage ordering system for a fueling and retail environment
US6263319B1 (en) * 1997-09-26 2001-07-17 Masconi Commerce Systems Inc. Fuel dispensing and retail system for providing a shadow ledger
US6026868A (en) 1997-09-26 2000-02-22 Gilbarco Inc. Transponder distinction in a fueling environment
US6882900B1 (en) * 1997-09-26 2005-04-19 Gilbarco Inc. Fuel dispensing and retail system for providing customer selected guidelines and limitations
EP1017614B1 (en) 1997-09-26 2001-09-05 Marconi Commerce Systems Inc. A forecourt ordering system for fuel and services at a filling station
US6073840A (en) * 1997-09-26 2000-06-13 Gilbarco Inc. Fuel dispensing and retail system providing for transponder prepayment
US6470233B1 (en) * 1997-09-26 2002-10-22 Gilbarco Inc. Fuel dispensing and retail system for preventing use of stolen transponders
US6157871A (en) 1997-09-26 2000-12-05 Marconi Commerce Systems Inc. Fuel dispensing system preventing customer drive-off
US5890520A (en) 1997-09-26 1999-04-06 Gilbarco Inc. Transponder distinction in a fueling environment
US20010020198A1 (en) 1997-09-26 2001-09-06 Wilson Amy Hetz Fuel dispensing system for cash customers
US6098879A (en) * 1997-09-26 2000-08-08 Gilbarco, Inc. Fuel dispensing system providing customer preferences
US6070156A (en) * 1997-09-26 2000-05-30 Gilbarco Inc. Providing transaction estimates in a fueling and retail system
US20020014952A1 (en) 1997-09-26 2002-02-07 Terranova Steven N. Fuel dispensing and retail system for providing customer selected guidelines and limitations
US6037879A (en) 1997-10-02 2000-03-14 Micron Technology, Inc. Wireless identification device, RFID device, and method of manufacturing wireless identification device
US6198764B1 (en) 1997-10-08 2001-03-06 Texas Instruments Deutschland Gmbh Method for the transfer of a digital data signal from a transmitter to a receiver
US6138912A (en) 1997-10-17 2000-10-31 Nec Corporation Vehicle identification system and method using signal arrival angle measurement
US6330543B1 (en) 1997-11-14 2001-12-11 Concept Shopping, Inc. Method and system for distributing and reconciling electronic promotions
US6177860B1 (en) 1997-11-17 2001-01-23 International Business Machines Corporation Method and economical direct connected apparatus for deploying and tracking computers
US6026375A (en) * 1997-12-05 2000-02-15 Nortel Networks Corporation Method and apparatus for processing orders from customers in a mobile environment
US6039247A (en) 1997-12-19 2000-03-21 Xico, Inc. Secure, stored-value systems and methods of transferring monetary values in one or more transactions to a specific receiving device
US6311167B1 (en) 1997-12-22 2001-10-30 Motorola, Inc. Portable 2-way wireless financial messaging unit
US6105006A (en) 1997-12-22 2000-08-15 Motorola Inc Transaction authentication for 1-way wireless financial messaging units
US6041314A (en) 1997-12-22 2000-03-21 Davis; Walter Lee Multiple account portable wireless financial messaging unit
US6038549A (en) 1997-12-22 2000-03-14 Motorola Inc Portable 1-way wireless financial messaging unit
US6249227B1 (en) 1998-01-05 2001-06-19 Intermec Ip Corp. RFID integrated in electronic assets
US6104291A (en) 1998-01-09 2000-08-15 Intermec Ip Corp. Method and apparatus for testing RFID tags
EP0930590A1 (en) 1998-01-16 1999-07-21 Mobil Oil Corporation Portable point-of-sale terminal with device for inputting security code access key
US6289324B1 (en) 1998-02-04 2001-09-11 Citicorp Development Center, Inc. System for performing financial transactions using a smart card
US6012049A (en) 1998-02-04 2000-01-04 Citicorp Development Center, Inc. System for performing financial transactions using a smartcard
US5969691A (en) * 1998-02-10 1999-10-19 Gilbarco Inc. Fuel dispenser transponder antenna arrangement
US6087954A (en) * 1998-02-17 2000-07-11 Marconi Commerce Systems Inc. System for enabling handicapped individuals to use gasoline dispensers
US6061344A (en) 1998-02-19 2000-05-09 Micron Technology, Inc. Method of addressing messages and communications system
US6282186B1 (en) 1998-02-19 2001-08-28 Micron Technology, Inc. Method of addressing messages and communications system
US6307847B1 (en) 1998-02-19 2001-10-23 Micron Technology, Inc. Method of addressing messages and communications systems
US6072801A (en) 1998-02-19 2000-06-06 Micron Technology, Inc. Method of addressing messages, method of establishing wireless communications, and communications system
US6275476B1 (en) 1998-02-19 2001-08-14 Micron Technology, Inc. Method of addressing messages and communications system
US6441740B1 (en) * 1998-02-27 2002-08-27 Intermec Ip Corp. Radio frequency identification transponder having a reflector
US20010037249A1 (en) 1998-03-05 2001-11-01 Peter Fitzgerald Mobile electronic payment terminal
US6025799A (en) 1998-03-06 2000-02-15 Mark Iv Industries Limited Short range position locating system for transponder
US6264103B1 (en) 1998-03-10 2001-07-24 Tokheim Corporation Card processor for use in fuel dispensing equipment
US6538563B1 (en) * 1998-03-18 2003-03-25 National University Of Singapore RF transponder identification system and protocol
US6343241B1 (en) 1998-04-09 2002-01-29 Mobil Oil Corporation Robotic vehicle servicing system
US20010034565A1 (en) 1998-04-22 2001-10-25 Leatherman Russel Dean Rfid tag location using tag or host interaction record
US5942978A (en) * 1998-04-24 1999-08-24 Sensormatic Electronics Corporation Wireless transmitter key for EAS tag detacher unit
US6219543B1 (en) 1998-06-03 2001-04-17 Howard M. Myers Energy detection device
US6160734A (en) 1998-06-04 2000-12-12 Texas Instruments Incorporated Method for ensuring security of program data in one-time programmable memory
US6129274A (en) 1998-06-09 2000-10-10 Fujitsu Limited System and method for updating shopping transaction history using electronic personal digital shopping assistant
US6313737B1 (en) * 1998-06-23 2001-11-06 Marconi Commerce Systems Inc. Centralized transponder arbitration
US6085805A (en) 1998-06-25 2000-07-11 Micron Technology, Inc. Communications system and method, fleet management system and method, and method of impeding theft of fuel
US6024142A (en) * 1998-06-25 2000-02-15 Micron Communications, Inc. Communications system and method, fleet management system and method, and method of impeding theft of fuel
US6082618A (en) 1998-07-08 2000-07-04 Dresser Industries, Inc. Fuel dispenser hardware identification system
JP2000030150A (en) 1998-07-15 2000-01-28 Toshiba Tec Corp Commodity registration processing system using radio tag
US6116505A (en) 1998-07-21 2000-09-12 Gilbarco Inc. Fuel transaction system for enabling the purchase of fuel and non-fuel items on a single authorization
US6618362B1 (en) * 1998-07-21 2003-09-09 Gilbarco Inc. Apparatus and method for using a transponder as an information buffer
US20010039512A1 (en) 1998-07-23 2001-11-08 Nicholson G. Randy System and method of maintaining a posted street price for fuel while offering different prices to identified customers
US6332128B1 (en) 1998-07-23 2001-12-18 Autogas Systems, Inc. System and method of providing multiple level discounts on cross-marketed products and discounting a price-per-unit-volume of gasoline
US6317028B1 (en) 1998-07-24 2001-11-13 Electronic Security And Identification Llc Electronic identification, control, and security system and method for consumer electronics and the like
US6311162B1 (en) 1998-07-25 2001-10-30 Ernst F. Reichwein Interactive symptomatic recording system and methods
US20020084889A1 (en) * 1998-07-30 2002-07-04 Joseph T. Bolavage Interrogating tags on multiple frequencies and synchronizing databases using transferable agents
US6195541B1 (en) * 1998-07-31 2001-02-27 Avaya Technology Corp. Interaction of a wireless telephone with a transaction unit
US6098048A (en) 1998-08-12 2000-08-01 Vnu Marketing Information Services, Inc. Automated data collection for consumer driving-activity survey
US6335686B1 (en) 1998-08-14 2002-01-01 3M Innovative Properties Company Application for a radio frequency identification system
US6182893B1 (en) 1998-08-28 2001-02-06 Marconi Commerce Systems Inc. Customer retail apparatus having multiple card reader capability
US6032703A (en) 1998-09-08 2000-03-07 Ford Global Technologies, Inc. Automotive vehicle fueling system
US6089284A (en) * 1998-09-24 2000-07-18 Marconi Commerce Systems Inc. Preconditioning a fuel dispensing system using a transponder
US20020016740A1 (en) 1998-09-25 2002-02-07 Nobuo Ogasawara System and method for customer recognition using wireless identification and visual data transmission
US6215437B1 (en) 1998-10-13 2001-04-10 Texas Instruments Incorporated Procedure for reading the data stored in a transponder and a transponder system for the execution of the procedure
US6068030A (en) 1998-10-15 2000-05-30 Tatsuno Corp. Fueling system
US6326934B1 (en) 1998-10-16 2001-12-04 Marconi Commerce Systems Inc. ADA convertible input display
US20010011229A1 (en) * 1998-10-23 2001-08-02 Scott Anderson Marketing research system and associated methods
JP2000134220A (en) 1998-10-28 2000-05-12 Toshiba Tec Corp Radio communication system
US6301471B1 (en) * 1998-11-02 2001-10-09 Openwave System Inc. Online churn reduction and loyalty system
US6236223B1 (en) * 1998-11-09 2001-05-22 Intermec Ip Corp. Method and apparatus for wireless radio frequency testing of RFID integrated circuits
US6079621A (en) 1998-11-13 2000-06-27 Chrysalis-Its Inc. Secure card for E-commerce and identification
US6257486B1 (en) 1998-11-23 2001-07-10 Cardis Research & Development Ltd. Smart card pin system, card, and reader
US6179206B1 (en) 1998-12-07 2001-01-30 Fujitsu Limited Electronic shopping system having self-scanning price check and purchasing terminal
US6055573A (en) 1998-12-30 2000-04-25 Supermarkets Online, Inc. Communicating with a computer based on an updated purchase behavior classification of a particular consumer
US6298330B1 (en) 1998-12-30 2001-10-02 Supermarkets Online, Inc. Communicating with a computer based on the offline purchase history of a particular consumer
US6263316B1 (en) * 1999-02-02 2001-07-17 Momente, Llc Automated process for retailing to a vehicle occupant
US6360208B1 (en) 1999-02-04 2002-03-19 Intermec Ip Corp. Method and apparatus for automatic tax verification
US6191705B1 (en) 1999-03-17 2001-02-20 Mark Iv Industries, Limited Radio frequency highway management system
EP1039408A1 (en) 1999-03-26 2000-09-27 STMicroelectronics SA Remote power feeding for an electromagnetic transponder
US6302527B1 (en) 1999-04-20 2001-10-16 Hewlett-Packard Company Method and apparatus for transferring information between a printer portion and a replaceable printing component
EP1052603A2 (en) 1999-04-26 2000-11-15 CheckFree Corporation Cashless transactions without credit cards, debit cards or checks
US6145741A (en) 1999-04-27 2000-11-14 Wisdom; Juanita J. Universal pre-paid gasoline and travel card
US6169483B1 (en) 1999-05-04 2001-01-02 Sensormatic Electronics Corporation Self-checkout/self-check-in RFID and electronics article surveillance system
US6282516B1 (en) 1999-06-01 2001-08-28 Catalina Marketing International, Inc. Process, system and computer readable medium for in-store printing of discount coupons and/or other purchasing incentives in various departments within a retail store
US6340116B1 (en) 1999-09-16 2002-01-22 Kenneth B. Cecil Proximity card with incorporated pin code protection
US20010045460A1 (en) 1999-09-21 2001-11-29 Reynolds Andrew E. Method and apparatus to read different types of data carriers, such as RFID tags and machine-readable symbols, and a user interface for the same
US6259367B1 (en) 1999-09-28 2001-07-10 Elliot S. Klein Lost and found system and method
US7421410B1 (en) * 1999-10-07 2008-09-02 Citicorp Development Center, Inc. Method and system for providing an incentive to use an automated teller machine (ATM)
US6325285B1 (en) 1999-11-12 2001-12-04 At&T Corp. Smart card with integrated fingerprint reader
US6359570B1 (en) 1999-12-22 2002-03-19 Intelligent Vehicle Systems, Inc. Vehicle-status device and system for remotely updating and locally indicating the status of a vehicle
US20020002538A1 (en) 2000-01-26 2002-01-03 Ling Marvin T. Method and apparatus for conducting electronic commerce transactions using electronic tokens
US6184846B1 (en) 2000-02-03 2001-02-06 Marconi Commerce Systems Inc. Loop conductor antenna for fuel dispenser
US20010029488A1 (en) 2000-02-09 2001-10-11 Yasuo Takeshima Electronic money system and electronic money terminal
US6360138B1 (en) 2000-04-06 2002-03-19 Dresser, Inc. Pump and customer access terminal interface computer converter to convert traditional pump and customer access terminal protocols to high speed ethernet protocols
US20020032649A1 (en) 2000-04-13 2002-03-14 Balamurugan Selvarajan High-security E-currency IDs for E-commerce transactions
US6219613B1 (en) 2000-04-18 2001-04-17 Mark Iv Industries Limited Vehicle position determination system and method
US20020032664A1 (en) 2000-04-28 2002-03-14 Tatsuhiko Ikuta Accounting system, accounting method, content executing device, accounting monitoring device, accounting control device and recording medium
US20020011519A1 (en) 2000-05-04 2002-01-31 Shults John R. System and method for consumer identification using optical and electronic means
US20020008639A1 (en) * 2000-05-09 2002-01-24 Dee Mark R. Parking payment system
US20020019811A1 (en) 2000-05-31 2002-02-14 Veristar Corporation Biometric financial transaction system and method
US20020035622A1 (en) 2000-06-07 2002-03-21 Barber Timothy P. Online machine data collection and archiving process
US20010051920A1 (en) 2000-06-07 2001-12-13 Joao Raymond Anthony Financial transaction and/or wireless communication device authorization, notification and/or security apparatus and method
US20020011517A1 (en) 2000-07-18 2002-01-31 Nobuo Namekawa Point card, point card processing apparatus, and point card system
US20020026380A1 (en) 2000-08-14 2002-02-28 Xiaoqiang Su Shopping system of integrated electronic commerce and physical commerce
US20020022967A1 (en) 2000-08-18 2002-02-21 International Business Machines Corporation Goods delivery method, online shopping method, online shopping system, server, and vender server
US20020034978A1 (en) 2000-09-18 2002-03-21 Legge John V. Activity management system
US6334575B1 (en) 2000-11-01 2002-01-01 Singular Technology Corp. Safety transaction method
US20020111886A1 (en) * 2001-02-12 2002-08-15 Chenevich William L. Payment management
US20020111916A1 (en) * 2001-02-12 2002-08-15 Coronna Mark S. Payment management
US20020178063A1 (en) * 2001-05-25 2002-11-28 Kelly Gravelle Community concept for payment using RF ID transponders
US20030014357A1 (en) * 2001-07-16 2003-01-16 General Motors Corporation Method and system for conducting user defined mobile commerce
JP5229599B1 (en) 2012-06-29 2013-07-03 貴央 山口 Method of manufacturing a display device and a display device

Non-Patent Citations (21)

* Cited by examiner, † Cited by third party
Title
"Budget to Test Automated Return System" (Article).
"RFID Links on the Web," (via http://home.att.net/?randall.j.jackson/rfidlinks.htm), Mar. 22, 2002.
Autofill Europe AB, "No, She Is Not Drawing Cash From Her Bank Account. She Is Filling Her Car Up."; "Autofill. Another Breakthrough In Man's Quest to Eliminate Life's Everyday Problems."; "Faster. Cleaner. Safer. And Right Now."; "Autofill. It Fills Much More Than Just Fuel. It Fills a Need.", (Undated).
Callanan, J., "Can Fueling Developments in Dispenser Technology Aim to Make Fueling Up a ‘Gas’ for Motorists . . . ," The Journal of Petoleum Marketing, Jul. 1997, pp. 3, 16-18.
Callanan, J., "Can Fueling Developments in Dispenser Technology Aim to Make Fueling Up a 'Gas' for Motorists . . . ," The Journal of Petoleum Marketing, Jul. 1997, pp. 3, 16-18.
Dove Consulting, Indutry Report, "Trasponders. The New Way to Pay?," Apr. 2001, pp. 1-4.
Identification Devices, Inc., "Automated Vehicle Identification System I.D.", Nov. 1986 (brochure).
Ingenico, Evolution of Payment at the Point of Sale, Printed 2002.
ISIT.com, "The Cutting Edge of RFID Technology and Applications for Manufacturing and Distribution," 2001 (via www.isit.com/feature.cfm?articleid=3516&tech=AIDC).
Koch, W.H., "Robotic Fueling," Petroleum Equipment & Technology, Sep.-Oct. 1997, pp. 14, 16-18, 49.
Lobred, P., "BP Plans Robotic Pump, Mobil May Follow Suit," U.S. Oil Week, Oct. 1997, vol. 34 No. 43, pp. 1-2.
M-Commerce Wallet-Like Transactions, (Undated).
PCT-International Search Report dated Apr. 24, 2003 for Application No. PCT/US02/21876, filed Feb. 27, 2002.
PCT—International Search Report dated Apr. 24, 2003 for Application No. PCT/US02/21876, filed Feb. 27, 2002.
Snow, C. Matthew, "Mobile uses IT to speed past competition," Cutting Edge, Business Advantage, Datamation, Oct. 1997, vol. 43, No. 10, pp. 14-15.
Speedpass Advertisement: "A Legacy of Firsts", Scientific American, pp. 89-92.
Texas Instruments, "Customer Loyalty Mechanism With TI*RFID," 2000 (via www.ti.com/tiris/docs/aolutions/pos/loyalty.htm).
Texas Instruments, TRIS News, 1998, Issue No. 18.
U.S. Appl. No. 08/768,723, filed Dec. 18, 1996, Giordano.
U.S. Appl. No. 09/224,027, filed Dec. 31, 1998, Giordano.
Venture Development Corporation, "Retail Automation Equipment: A Vertical Market Analysis of Usage and Plans for Wireless, Emergeing, and Traditional Technoligies," Pub Time: Jul. 2002 (via www.the-infoshop.com).

Cited By (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9734462B2 (en) 2003-02-12 2017-08-15 Avigilon Patent Holding 1 Corporation Method of processing a transaction for a parking session
US9530129B2 (en) * 2006-10-25 2016-12-27 Payfont Limited Secure authentication and payment system
US20150254661A1 (en) * 2006-10-25 2015-09-10 Payfont Limited Secure authentication and payment system
US9008691B2 (en) 2007-04-08 2015-04-14 Enhanced Geographic Llc Systems and methods to provide an advertisement relating to a recommended business to a user of a wireless device based on a location history of visited physical named locations associated with the user
US8892126B2 (en) 2007-04-08 2014-11-18 Enhanced Geographic Llc Systems and methods to determine the name of a physical business location visited by a user of a wireless device based on location information and the time of day
US8996035B2 (en) 2007-04-08 2015-03-31 Enhanced Geographic Llc Mobile advertisement with social component for geo-social networking system
US8774839B2 (en) 2007-04-08 2014-07-08 Enhanced Geographic Llc Confirming a venue of user location
US9076165B2 (en) 2007-04-08 2015-07-07 Enhanced Geographic Llc Systems and methods to determine the name of a physical business location visited by a user of a wireless device and verify the authenticity of reviews of the physical business location
US8768379B2 (en) 2007-04-08 2014-07-01 Enhanced Geographic Llc Systems and methods to recommend businesses to a user of a wireless device based on a location history associated with the user
US9277366B2 (en) 2007-04-08 2016-03-01 Enhanced Geographic Llc Systems and methods to determine a position within a physical location visited by a user of a wireless device using Bluetooth® transmitters configured to transmit identification numbers and transmitter identification data
US9521524B2 (en) 2007-04-08 2016-12-13 Enhanced Geographic Llc Specific methods that improve the functionality of a location based service system by determining and verifying the branded name of an establishment visited by a user of a wireless device based on approximate geographic location coordinate data received by the system from the wireless device
US20130274034A1 (en) * 2010-12-29 2013-10-17 Shigeo Sawatari Information terminal, golf club management method, and program
US9433837B2 (en) * 2010-12-29 2016-09-06 Django Ltd. Information terminal, golf club management method, and program
US20130218693A1 (en) * 2012-02-16 2013-08-22 Ebay, Inc. Obtaining instant credit at a pos with limited information
US9672504B2 (en) * 2012-02-16 2017-06-06 Paypal, Inc. Processing payment at a point of sale with limited information
US20150348048A1 (en) * 2014-05-27 2015-12-03 Bank Of America Corporation Customer communication analysis tool
US9785949B2 (en) * 2014-05-27 2017-10-10 Bank Of America Corporation Customer communication analysis tool

Also Published As

Publication number Publication date Type
US20020152123A1 (en) 2002-10-17 application

Similar Documents

Publication Publication Date Title
US7003495B1 (en) Portable electronic authorization system and method
US6061660A (en) System and method for incentive programs and award fulfillment
US8473334B2 (en) System and method for issuing and redeeming incentives on electronic data cards
US6473740B2 (en) Electronic commerce using a transaction network
US7054830B1 (en) System and method for incentive programs and award fulfillment
US7469233B2 (en) Method and system for facilitating the anonymous purchase of goods and services from an e-commerce website
US6070147A (en) Customer identification and marketing analysis systems
US6456984B1 (en) Method and system for providing temporary credit authorizations
US8639629B1 (en) System and method for accessing an online user account registry via a thin-client unique user code
US6173269B1 (en) Method and apparatus for executing electronic commercial transactions with minors
US20040093281A1 (en) Remote purchasing system and method
US7006993B1 (en) Method and apparatus for surrogate control of network-based electronic transactions
US6993498B1 (en) Point-of-sale server and method
US20040243478A1 (en) Purchasing, redemption, and settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network
US20110022424A1 (en) Successive offer communications with an offer recipient
US20080052169A1 (en) Method and apparatus for providing a coupon offer having a variable value
US20050043994A1 (en) Method for allowing a customer to obtain a discounted price for a transaction and terminal for performing the method
US20040049423A1 (en) Point return method and apparatus
US6505772B1 (en) System for utilizing a single card to provide multiple services in an open network environment
US6766301B1 (en) Fraud deterred product and service coupons
US20080140520A1 (en) Systems and methods for providing coupons
US20040073497A1 (en) Method and system for automated linkable promotions
US20100070312A1 (en) Universal Ticketing and Payment System
US20110145047A1 (en) System and method for applying credits from third parties for redemption at member retailers
US7599850B1 (en) Method of and system for managing promotions for purchase transactions over a network

Legal Events

Date Code Title Description
CC Certificate of correction
FPAY Fee payment

Year of fee payment: 4